@s37 wrote:
Well that is awesome news. So since I had family HDHP coverage it sounds like I am ok?
As long as you are covered by a family HDHP and have no "other" coverage that disqualifies you, then you can contribute up to the family limit, regardless of how your spouse is insured. Of course, if you change to self-only coverage during the year (because you found out your spouse does not need your coverage, for example), then your eligibility is a blend of the single and family limits. But that only applies to the year you changed coverage. If you had a family HDHP for all of 2022, '23 and '24, then you are eligible up to the family limit (including the $1000 catch-up, if over age 55.)
The most common types of "other" coverage that disqualify someone from contributing to an HSA are spouse insurance or a spouse FSA. If your spouse is covered at work and is offered a flexible spending account, that counts as other coverage that disqualifies you, because even though your spouse might be covered by single insurance, an FSA can always be used to pay for the expenses of the insured or their spouse. And sometimes, you might have your own HDHP coverage, but also be covered as a "secondary" insured under a spouse's policy. Since these do not seem to be the case, you are fine.
