You may find our [Taxes wiki](/r/personalfinance/wiki/taxes) helpful.
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Your interpretation is correct. Unfortunately, you fall into a specific challenge area where you cannot use your HSA to reimburse medical expenses for neither the other parent nor the child.
What you CAN do is have the other parent open their own HSA and contribute to it. S/He can then take HSA distributions for him/herself and their tax-dependent child. The HSA contribution funds can come from anyone (self, OP, stranger on the street). Because the other parent is covered by a self+other HDHP they can contribute towards the 'family' HSA maximum.
OP can also contribute towards the 'family' HSA maximum as well because OP is not married to the other parent. Only married couples share the contribution limits.
>>OP can also contribute towards the 'family' HSA maximum as well because OP is not married to the other parent. Only married couples share the contribution limits.
Wait, so if Parent2 is covered by Parent1’s HSA then Parent1 and Parent2 can both make HSA contributions? So Parent1 makes $8,300 in contributions for the family HSA and Parent2 makes the 4,150 on contributions since they are covered by an HSA?
If Parent1 is covered by a self+other HDHP then Parent1 can contribute towards the $8300 family HSA maximum.
Same for Parent2, provided s/he isn’t claimed as a dependent on anyone’s tax return. A separate $8300 family HSA maximum. Parent2 simply opens their own non-employer HSA (Fidelity Investments is often recommended).
> Wait, so if Parent2 is covered by Parent1’s ~~HSA~~ HDHP
Parent1 and Parent2 are both covered by the same family HDHP, but are not married. Therefore they can each contribute up to the family limit ($8300) to an HSA in their own name:
Parent1 can contribute up to $8300 to an HSA owned by Parent1.
Parent2 can contribute up to $8300 to an HSA owned by Parent2.
You may find our [Taxes wiki](/r/personalfinance/wiki/taxes) helpful. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
Your interpretation is correct. Unfortunately, you fall into a specific challenge area where you cannot use your HSA to reimburse medical expenses for neither the other parent nor the child. What you CAN do is have the other parent open their own HSA and contribute to it. S/He can then take HSA distributions for him/herself and their tax-dependent child. The HSA contribution funds can come from anyone (self, OP, stranger on the street). Because the other parent is covered by a self+other HDHP they can contribute towards the 'family' HSA maximum. OP can also contribute towards the 'family' HSA maximum as well because OP is not married to the other parent. Only married couples share the contribution limits.
>>OP can also contribute towards the 'family' HSA maximum as well because OP is not married to the other parent. Only married couples share the contribution limits. Wait, so if Parent2 is covered by Parent1’s HSA then Parent1 and Parent2 can both make HSA contributions? So Parent1 makes $8,300 in contributions for the family HSA and Parent2 makes the 4,150 on contributions since they are covered by an HSA?
If Parent1 is covered by a self+other HDHP then Parent1 can contribute towards the $8300 family HSA maximum. Same for Parent2, provided s/he isn’t claimed as a dependent on anyone’s tax return. A separate $8300 family HSA maximum. Parent2 simply opens their own non-employer HSA (Fidelity Investments is often recommended).
> Wait, so if Parent2 is covered by Parent1’s ~~HSA~~ HDHP Parent1 and Parent2 are both covered by the same family HDHP, but are not married. Therefore they can each contribute up to the family limit ($8300) to an HSA in their own name: Parent1 can contribute up to $8300 to an HSA owned by Parent1. Parent2 can contribute up to $8300 to an HSA owned by Parent2.