Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

You can spend HSA funds on ANY dependent, whether or not the dependent is on an insurance plan. In fact, HSA funds are very flexible: if the employer provides a subsidy, the company gets a tax write-off but you, also, can put some of your own money into the HSA fund and get your own adjustment to income. This “adjustment” happens even if you do not file with scheduled deductions; on the first page of the 1040 immediately below the I.R.A. adjustment. The only rule is that you and your employer together do not deposit more than the government allows for that year. If both spouses have HSA plans, the child can be covered under either spouse but the total contribution for the family must abide by the federal limits. Your dependent child can never have his own plan, though, because one unshakeable rule is that you cannot open an HSA if you are claimed as a dependent on someone’s taxes, even if you have your own earned income.