I'd like to add a wrinkle to these questions about HSA contribution limits. My wife and I are both over 65, and we were covered under a family HDHP through April 30, 2020 by my former employer through COBRA. I wasn't paying very close attention to that April 30 date, because I enrolled in Medicare on April 1 in connection with my 65th birthday on April 3. My enrollment in Medicare made me ineligible to make HSA contributions after April 1. Prior to that date I was the only one with an HSA and I made contributions to it on behalf of both of us. My wife obtained her own HDHP as of May 1 and opened her own HSA. The wrinkle in all of this is that even though I was covered by Medicare as of April 1, both my wife and I were still covered under my employer's HDHP until April 30. My question is whether or not my wife's contribution to her HSA for April can be based on us both being in a family plan during April, or based only on her being a part of that plan during April. The difference in our total contribution for the year is only $295.83 ($3,550/12) but I'd like to get it right. Thanks very much.
