"We have a terminating plan whose final forms need to be filed by January 31, 2026. We completed them in Relius Web Client several months ago but the client failed to sign the forms until after January 1st. We had to redo the forms on the Form Year 2025 forms to send them through Web Client. The issue now is that the plan needs an 8955-SSA which is not yet available. We do have everything set up so that if needed we could submit directly through the FIRE system but i am having no luck coming up with a template for manual submission. Does anybody have any resources for a format or am I missing a way to create it in Relius (Admin or Web Client)"

"I maintain HDHP family coverage that covers me, my 24-year-old daughter, and my husband. Coverage for my husband is secondary to Medicare (Medicare became primary in March of 2025). My 24-year-old daughter is a qualifying relative for 2025 and therefore I will claim her as a dependent on my 2025 tax return.

"I contributed the full family contribution limit to my HSA for 2025 and plan to again for 2026. However, my husband's Medicare advisor recently told me that just because I have family coverage does not necessarily mean I can contribute the family contribution limit. If just my husband and I were in the HDHP, and he has coverage elsewhere (Medicare), my understanding is that I could only contribute the self-only limit. However, since my daughter is also covered, I was under the impression that I could contribute the family contribution limit.

"I'm having trouble finding anything definitive that says whether a qualifying relative who is a child is treated differently from a dependent child (under age 19 or full-time student under 24) in this instance. I'm hoping that @BrianGilmore in particular can answer whether I still qualified/qualify for the family contribution limit for 2025 and 2026. If not, I assume I'll need to withdraw money from my HSA for part of 2025 (would have qualified for the family contribution limit until my husband's Medicare became primary) and also lower my contribution for 2026 going forward, correct?

"And a follow-up question -- if I was still eligible to contribute the full family contribution amount for 2025, but it turns out that my daughter is not a qualifying relative for 2026 (that is, she makes over $5,050 for the year), and I have made the full family contribution amount for 2026 before I know that she is not a qualifying relative, is there a consequence (penalty) other than having to withdraw the overage from my HSA? In other words, should I take the safer approach of lowering my contribution to the self-only limit and possibly forego the tax savings associated with the higher contribution amount?"