Addendum: L4 is in an additional state that is not listed in the states column.

Has anyone dealt with the "testing period" for the last-month rule with HSAs? I'm in a similar situation and thinking about using that rule, but I'm worried about what happens if I can't maintain HDHP coverage for the full testing period next year.

Congratulations on your marriage! Your timing is actually pretty good for HSA planning since you're changing jobs early in the year. Here's what I learned from my own similar situation: First, you absolutely don't need to roll over your existing HSA - it's your money forever. I kept mine with the old provider since they had better investment options and lower fees than my new employer's HSA. For contribution limits with marriage, it depends on your coverage types. If you both keep individual/self-only HDHP coverage through your respective employers, you can each contribute the full individual limit ($3,850 for 2025). However, if either of you has family coverage, you're limited to one family contribution total ($7,750 for 2025) that you split between your accounts. Since you're changing jobs, track your coverage months carefully. You can only contribute based on months you actually have qualifying HDHP coverage. So if you start your new job in May, you'd prorate your contributions accordingly. One tip: coordinate with your spouse on contribution timing if you're both maxing out. We set up automatic contributions but made sure to monitor them monthly to avoid any accidental over-contributions, especially since employer contributions count toward your limits too. The IRS Publication 969 has all the detailed rules if you want to dive deeper into the specifics!

Don't forget to look into whether you qualify for the self-employed health insurance deduction! Even though your wife's employer provides the insurance, if you're paying any portion of the premiums (either directly or indirectly by reimbursing your wife), you may be able to deduct that amount on your Schedule C. I'm in a similar situation and was able to deduct about 40% of our family premium last year because that was determined to be "my portion" of the coverage. Talk to a tax professional about how to calculate and document this properly.

I've been following this thread closely since I'm in an almost identical situation - sole proprietor with coverage through my spouse's employer plan. Just wanted to add a few things that might help: First, definitely pursue the FSA option that Leo mentioned. We've been using one for three years now and it's been great for predictable expenses like glasses, dental work, and prescriptions. The key is to be conservative with your contribution since you can't roll over much to the next year. Second, on the self-employed health insurance deduction - this is real but requires careful documentation. You'll need a letter from your wife's HR department breaking down the premium allocation. In our case, the employer contributes $200/month toward employee-only coverage, but we pay an additional $450/month to add me and our kids. I can deduct a portion of that $450 as a self-employed person. One thing I haven't seen mentioned is that you can also deduct qualified medical expenses as business expenses if they're directly related to your work. For example, if you need ergonomic equipment for your home office due to a medical condition, that could be deductible. Obviously consult a tax pro for specifics. The bottom line is that while you can't get an HSA in your situation, there are still several ways to get tax advantages for healthcare costs as a self-employed person. It's worth spending some time (or money on professional advice) to make sure you're maximizing all available options.

10 Don't spend this money yet! I had the same thing happen and assumed it was a legit refund, then got a letter 3 months later saying it was sent in error and I had to pay it back WITH interest. Check your IRS online account and wait until you get an official explanation.

I can definitely relate to this confusion! As someone who's been through the L1 visa tax situation, unexpected IRS deposits can be really nerve-wracking when you're not familiar with the US system. The TREAS 310 TAX REF code is legitimate - it's the standard Treasury code for tax refunds. Since you're on an L1 visa, there are several specific scenarios that could have triggered this: 1. **Tax treaty benefits** - Depending on your home country, there might be tax treaty provisions you didn't claim that the IRS applied retroactively 2. **Foreign tax credit adjustments** - If you paid taxes in your home country, the IRS might have recalculated your foreign tax credit 3. **Withholding corrections** - Your employer's tax withholdings might have been higher than what you actually owed For L1 visa holders specifically, the IRS often catches missed deductions or credits related to international tax situations that standard tax software doesn't always identify correctly. My advice: Don't spend it immediately, but don't panic either. Log into your IRS online account and look for any notices or account transcripts that explain the adjustment. If you can't find clear information there, it's worth getting a definitive answer before you touch the money, just for peace of mind.

I'm going through this exact same situation right now! SBTPG confirmed my deposit was sent yesterday morning, but still nothing in my Credit Karma account as of this evening. Reading through everyone's experiences here is actually really reassuring - sounds like 24-48 hours is pretty normal for this process. I was starting to worry something went wrong, but it seems like this is just how the system works with all these middleman companies involved. Going to try to be patient and check again tomorrow morning. Thanks for posting about this - it's helpful to know I'm not alone in dealing with these delays!

This is such a common frustration during tax season! I went through something similar a few years back and learned that SBTPG processes deposits in batches, usually overnight. So even though they say it's "deposited," it might not actually transmit to Credit Karma until their next processing cycle. The good news is that in my experience, once SBTPG confirms the deposit, the money always shows up - it's just a matter of when, not if. I'd give it until tomorrow evening before getting worried. The banking system moves slower than we'd like, especially with these third-party processors involved. Your refund is definitely on its way!