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Old 03-18-2017, 11:42 AM   #21
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Originally Posted by ArkTinkerer View Post
Just to make it somewhat clearer-- the larger payment from consulting would kick long term capital gains into effect on the stock sales needed to finance the HSA contribution.
The deduction from the HSA contribution will more than offset the long term capital gains.
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Old 03-18-2017, 06:59 PM   #22
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Originally Posted by thefinancebuff View Post
The deduction from the HSA contribution will more than offset the long term capital gains.
Yes, I'll mourn those dollars if and when I have that payment in hand!
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Old 03-19-2017, 04:55 AM   #23
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Originally Posted by ArkTinkerer View Post

Still awaiting word from an official source or pointer to actual IRS text that says the DW can't do the same transfer I just did on my account though perhaps to another HSA in her name some time in the future.
This is not directly from the IRS, but this shows that a spouse can not fund your HSA with a Qualified HSA Funding Distributon to your HSA.

Also see IRS Notice 2008-51

below quote from linkj
Quote:
Types of IRAs Permitted for HSA Funding. A qualified HSA funding distribution may be made from a traditional IRA or a Roth IRA,
but not from an ongoing SIMPLE IRA or a SEP IRA. A SEP or a SIMPLE is considered ongoing if an employer contribution is made
for the plan year ending with or within the IRA owner's taxable year in which the qualified HSA funding distribution would be made.
You cannot move money directly from a 401(k) into an HSA; however, you may be able to move the money from a 401k to an IRA
and then to an HSA. You also cannot use your spouse’s or someone else’s IRA. But see “inherited IRAs.
I think you have your complete answer
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Old 04-04-2017, 06:48 PM   #24
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Did get confirmation that DW can go from her IRA to a new HSA in her name. Both HSAs would be available for use after that. I did find this link which seems to layout the rules for when both have HSA accounts:

https://support.tangohealth.com/hc/e...h-HSA-Eligible
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