I left my previous employer that offered an HSA and was able to contribute $1600 last year.
Currently I'm on my mom's plan through her work since I'm under 26. She pays about $400/mo to cover me, my brother and her. I'm 24, almost 25, so that coverage is ending soon.
I qualify for COBRA but the monthly premium of $392 is way higher than the $200/mo HDHP plan I found on the open market (ehealthinsurance.com).
I am able to max my HSA for 2014 and 2015 if I'm covered under an HDHP HSA eligible plan for all of 2015, or else I will have to take some contributions out to avoid a penalty.
What should I do? Go ahead with my own insurance through ehealth and continue to max my HSA?
I currently work as a real estate agent - so independent contractor and thus no benefits.
Thanks!