[Carmela]

HSA question, Our whole family is on my husband’s high-deductible HSA plan right now for which we normally max out the family HSA contribution.

In January, I will no longer be able to stay on his health insurance so I will be taking the plan that’s offered through my employer.

My question is, can he keep maxing out the family contribution for the HSA since he will still have the kids under his insurance? (If this is the case, I will skip getting a HDHP HSA from my employer).

Or should I get my own high deductible HSA plan and we both max the single contribution? Additional info: We file taxes jointly.

Thanks for the help!

[Erica]

It truly doesn’t matter whether you both contribute single or one of you contributes the family, you are limited to the family max.

Be careful with the plan you choose, as some disqualify your household from contributing to an HSA.

The main fact to consider is the cost of multiple premiums, deductibles and oop max.

[Bill]

You can do it either way but since you’re married, you’re limited to a combined total not to exceed the family max of $8,550 for 2025, unless either of you will turn 55 next year, in which case the person turning 55 could add a $1,000 Catch-Up Contribution to an HSA in their own name.

[Rebecca]

He should be able to contribute to the family max and you to the individual max. There is a loophole(?) that basically the plan dictates what you can contribute to an HSA.

So, if you were both unmarried, but on the same family HDHP-you could each have your own family HSA.

Catching Up to FI recently had two podcasts all about HSAs-which is where I leaned this

[Author]

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