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I was in HDHP till december 1st, 2015 when I joint my wife's plan which is not HDHP, so now I am on family plan , can still contribute to my old HSA plan

 
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dmertz
Level 15

I was in HDHP till december 1st, 2015 when I joint my wife's plan which is not HDHP, so now I am on family plan , can still contribute to my old HSA plan

You can only contribute a prorated amount based on the number of months that you were eligible to contribute to an HSA.  Since you were covered by your wife's non-HDHP plan on December 1, 2016, you are not an eligible individual for December, nor can you make a full-year's contribution based on the last-month rule.  In TurboTax, indicate that you were not covered by an HDHP on December 1, 2016, then indicate that other months that you were covered.  TurboTax will inform you of your 2016 HSA contribution limit based on the number of months that you were an eligible individual.

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3 Replies
dmertz
Level 15

I was in HDHP till december 1st, 2015 when I joint my wife's plan which is not HDHP, so now I am on family plan , can still contribute to my old HSA plan

You can only contribute a prorated amount based on the number of months that you were eligible to contribute to an HSA.  Since you were covered by your wife's non-HDHP plan on December 1, 2016, you are not an eligible individual for December, nor can you make a full-year's contribution based on the last-month rule.  In TurboTax, indicate that you were not covered by an HDHP on December 1, 2016, then indicate that other months that you were covered.  TurboTax will inform you of your 2016 HSA contribution limit based on the number of months that you were an eligible individual.

I was in HDHP till december 1st, 2015 when I joint my wife's plan which is not HDHP, so now I am on family plan , can still contribute to my old HSA plan

No, you cannot contribute to an HSA if you no longer have a HDHP.

I was in HDHP till december 1st, 2015 when I joint my wife's plan which is not HDHP, so now I am on family plan , can still contribute to my old HSA plan

thanks
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