Contributing to last years HSA

[Mario001 11]

Hello all!

Last year I moved to the US on a K1 visa. I only got my EAD in December 2021. So for the year 2021, I did not have any earned income. I got a job this month (February 2022). On my benefits, I selected a High deductible plan which allows me to contribute to an HSA. On my HSA page it shows that I can contribute to last year's HSA until April 15th. Can I contribute to last's year HSA? Or because I was not enrolled in a HSA plan last year or had income, I'm not eligible to do it?

 

Thanks

[JeanneAdil 6,583]

this is dependent on your company's HSA and if it shows you can contribute on your page , then yes u can right up to the tax deadline date (this year April 18th)  and only in the yearly guideline amount for the year

[Wuozopo 4,293]

1 hour ago, Mario001 said:

Hello all!

Last year I moved to the US on a K1 visa. I only got my EAD in December 2021. So for the year 2021, I did not have any earned income. I got a job this month (February 2022). On my benefits, I selected a High deductible plan which allows me to contribute to an HSA. On my HSA page it shows that I can contribute to last year's HSA until April 15th. Can I contribute to last's year HSA? Or because I was not enrolled in a HSA plan last year or had income, I'm not eligible to do it?

 

In tax year 2021, did you meet the qualifications for a HSA?

 

To be an eligible individual and qualify for an HSA, you must meet the following requirements.
• You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.
• You have no other health coverage except what is permitted under Other health coverage, later.
• You aren’t enrolled in Medicare.
• You can’t be claimed as a dependent on someone else’s 2020 tax return.

 

I would say no, you aren’t eligible.because you weren’t enrolled during 2021.

[Mario001 11]

33 minutes ago, Wuozopo said:

• You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.

Last year, I was under my wife's HDHP plan. That was my only coverage. Would this mean that I can contribute to it?

[Wuozopo 4,293]

1 hour ago, Mario001 said:

Last year, I was under my wife's HDHP plan. That was my only coverage. Would this mean that I can contribute to it?

Sounds like you are eligible.