Until 2023, I was claimed and covered by my estranged, abusive father for health insurance. I only found out last year because my own dental coverage happened to be at the same provider, and my dentist was having trouble processing my claims because neither of us knew I had double coverage.
I called my dental insurance provider and they basically forced me to use his plan by refusing to let me use my own because "his birthday is earlier and that's how the system works." I also couldn't make a new account because they tied it to my SSN.
In short, I didn't want to, but I used the insurance, and I was claimed without my consent.
I found his contact info and told him to remove me. He didn't, and it got to the point where I had to call the registered agent of his employer, get the number for HR, etc. After all that, I got him to take me off for 2023.
My problem here is that my 2022 plan was an HDHP with an HSA. I did not contribute at all for 2022 because of the issue above. I was willing to take the loss if it means I won't have to deal with explaining this whole mess to the IRS, but I figured it would be better to ask here:
My understanding is that I can't contribute to my HSA if I'm covered by some other plan, so does this mean I can't retroactively contribute for 2022? Is there no argument I could make about my particular circumstances?
Submitted March 05, 2023 at 12:22AM by zLrtkUkkiegu https://ift.tt/PpsNDMa
