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來源: 於 2025-11-09 09:56:50 [舊帖] [給我悄悄話] 本文已被閱讀：次

 

  • Your daughter (age 22, not your tax dependent)
    • Can open and contribute to her own HSA.
    • Dual HDHP coverage (her own and yours) is allowed under IRS Notice 2004-50.
    • She uses the individual HSA limit: $4,300 for 2025.
  • You
    • Have family HDHP coverage, so you can contribute up to $8,550 in 2025.
    • Her separate HDHP and HSA don’t affect your contribution limit.
    • You’re both treated as independent HSA-eligible individuals.