@Big0taxes wrote:
Since both of us are over 55 shouldn't it be:
Working spouse withhold $7300 + $1000 (over 55 add-on)
Non-working spouse contributes $1000 to own HSA
for a total of $9300?
Yes, that is allowed.
You could choose to have working spouse withhold less and non-working spouse contribute more, as long as your overall maximum is still $9300. You may forego the social security savings if the working spouse contributes less from payroll.
As suggested above, not everyone benefits from the social security savings (such as, if the working spouse earns more than $136,000). Or, there might be financial or family politics reason to make the contributions more even.
