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Deductions & credits
The annual HSA contribution limit belongs to the HSA, not to any person. So there is one aggregate limit for all the contributors.
The annual HSA contribution limit for a Family HDHP plan is $7,100. Up to $1,000 is added if the owner of the HSA if 55 or older. Thus the maximum amount that can be contributed to that HSA - no matter how many people were doing the contributing - if $7,100 to $8,100 (depending on the date that the HSA owner turned 55).
To contribute to the HSA, each person contributing must be eligible. This means that the person must be under HDHP coverage and not have any conflicting coverage (other employer coverage, FSA, Medicare, etc.). It is not unusual for one spouse to be eligible and the other not; however, if they have joint checking accounts, then a contribution from that checking account can be considered to be from the one eligible spouse.
Make sense?
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