Why do I need to withdraw funds from my HSA?

[lulubird2000-gma]

Halfway through the year, I got a new job with health insurance. I opened an HSA and contributed to it September-December. I am on both my mom's insurance and my own now, but my HSA was only connected to me and my insurance/paychecks. Why is TurboTax saying that I need to withdraw my HSA funds? My mom will not be claiming me as a dependent.

[Bsch4477]

The fact that you have additional medical coverage under a non-HSA-qualified plan would make you ineligible to contribute money to an HSA

[Opus 17]

If you have any medical coverage that is not a qualifying HDHP, you are not eligible to make tax deductible contributions, even if you are also covered by an HDHP from another insurer. The fact that you were covered under your mother‘s policy disqualifies you from making HSA contributions, unless your mothers policy is also an HSA-eligible HDHP. If you don’t remove the contributions, you will lose the tax deduction and you will pay 6% penalty.

[lulubird2000-gma]

My mom’s plan is eligible for an HSA, we have pretty much the same plan. I only have an HSA through my own insurance, not my mom’s. 

[Opus 17]

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@lulubird2000-gma wrote:

My mom’s plan is eligible for an HSA, we have pretty much the same plan. I only have an HSA through my own insurance, not my mom’s. 

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To be eligible, you must be covered by an HDHP and not have "other coverage."  However, it is not necessary for you to be the owner of the plan, just to be covered.  You were covered by your mother's HSA-eligible HDHP for part of the year, and for part of the year you were covered by both your mother's HDHP and your own HDHP from work.  (Are you sure your mother's plan didn't drop you when you picked up the workplace coverage?)  So the question is, if you are covered by two HDHPs at the same time, is that "other coverage" that disqualifies you, or are you ok because both plans were HDHPs.  

I don't know the answer to that question.   @dmertz , what do you think?