The Gundling Guide - January 2026

Once your child is no longer your tax dependent, they cannot use funds from your HSA—even if they’re under age 26 and still covered on your health insurance.

The good news?
If your child is HSA-eligible, it’s often very beneficial for them to open and fund their own HSA. HSAs offer a rare triple tax benefit:

• deductible contributions

• tax-free growth

• tax-free withdrawals for qualified medical expenses