Alright, so it turns out the parents' plan is not an HDHP but a POP. So it looks like I was not eligible to contribute to an HSA last year (2016). With this being the case, do I need to close the HSA entirely, or just remove funds that I contributed last year? I plan on getting off of my parents' plan this year (2017), so would like to keep the HSA contributions from this year, if possible.
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