First, whose HSA is it, yours or your spouse's?
Second, what type of High Deductible Health Plan do you have: Self-only or Family?
If this is your HSA, then you can contribute $8,100 to your HSA for 2020 - even if you don't have the HSA yet - you can ask the HSA custodian to create it and make your contribution.
***Note: Normally you would have to make this contribution by April 15th. Last year, this was extended to July 15th along with everything else, but I have not heard what they are doing this year, so just make sure that you make the contribution before April 15th.
***NOTE NOTE: when you make the contribution make SURE that the HSA custodian knows that the contribution is for the year 2020, or else by default, they will apply it to 2021.
If the HSA belongs to your spouse, you can contribute 9 months worth of the $8,100, which is $6,075. But, really, make it your HSA since she can no longer contribute to an HSA.
Make sense?
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