Deductions & credits

If you were covered by a family HDHP for the entire year and you had no other secondary coverage, then your contribution limit is the normal maximum, which is $7100 for 2020.  Your limit is not reduced if one of your other family members has other coverage.  If your family members had HSA’s in their names, their contributions would be limited by the change in their insurance.

 

The only thing that would affect your contribution limit is if your spouse’s new insurance plan also covered you with secondary coverage.  As long as you’re only coverage was your qualifying family plan HDHP, then your limit is not affected.