Moreover, each spouse can make an additional $1,000 catch-up contribution to his or her own account when reaching age 55. It’s important to stay on top of these rules.

In 2024, the spouse can contribute up to $8,300 to their HSA (increasing to $8,550 in 2025). If the spouse is age 55 or older, they can also take advantage of a $1,000 catch-up contribution.

In such cases, while the Medicare-enrolled spouse cannot contribute to the HSA, the other spouse may still be eligible for family contribution limits. 2.

Based on the eligibility rules, Kevin would only be permitted to make a contribution to his own HSA for two months of the year, or $1,592 ($8,550 is the family limit for 2025, plus $1,000 is the catch ...

HSA Contribution Limits The Internal Revenue Service (IRS) limits how much you can put into a health savings account. In 2025, you can contribute up to $4,300 as an individual or up to $8,550 if ...

This results in an excess contribution of $3,850 – $2,888 = $962, which must be withdrawn from the HSA by the tax filing deadline of April 15, 2024, to avoid a 6% excise tax on the excess amount.

She has family coverage, and the 2025 contribution limit for that coverage level is $8,550. She is 62, so she is eligible for the $1,000 catch-up contribution. She is married, and she adjusts her ...