I am self employed, and up till August 2023, both of us were covered by an HDHP. I am yet to contribute 2023 HSA since I have till April 15th to do so. My wife hit medicare age in August, and I hit it this month so I was covered for all of 2023 by the HDHP, she was covered for 7 months.
I have read that I can contribute a pro rated amount. which is fine for an individual, that would be 7/12 x individual amount. But what about a family plan? And in our case a family plan with the makeup contribution of $1000? Do I simply take the $8750 divide this by two than multiply her portion by 7/12?
So $4375x1.583 = $6927.
Or is it more complicated than that?
