I have a client who is 24, got married in 2023.  She was on her mom's HDHP in 2023.  Client made a contribution to her own HSA for 2023 for $5600.  Client's husband not on any HDHP.

Can she legally take this deduction on the 2023 tax return?  Or, should it only be $3850 for herself.  The only way I have figured out how to get the $5600 contribution to go through on Lacerte with no penalty is to show  as family coverage under spouse.

Is this correct?