@Xian2 wrote:
yes, I was and maybe am still confused..... because DMERTZ said ... " the 4-month pro-rated single limit of $1,283 plus your wife's $1,000 catchup must be contributed to her HSA, not to your HSA."...
so if my wife has to contribute 2283 into her HSA this year.. then sine our max together is the 7450.. this would leave my max contribution to 5166..... and since I already paid 5833 into my HSA would have overpaid ?
did I misunderstand what dmertz said ?
bottomline - will I be ok contributing 5833 to my hsa and my wife 1616 to her hsa this year?
My numbers were all correct, the issue was with my comment "you can split up the contributions any way you like" which is not quite accurate, although my examples were accurate.
Your personal limit is $5166+$666=$5832 (or $5833, depending on how you round off the fractions).
Your wife's personal limit is $6449+$1000=$7449.
Your overall combined family limit is $6449+$666+$1000=$8115.
If you wanted to, you could divide up the $5166 portion between the two of you in any way you choose (because you share that limit). The $1283 portion that comes from your wife's 4 months of single coverage can only be put in your wife's account (because it is part of your wife's limit but not yours). The $666 and $1000 catch-up contributions can only be put in the person's account for whom the catch-up applies.
If you choose to contribute your full maximum to your account ($5166+$666=$5832) then your wife's maximum eligibility is $1283+$1000=$2283.
