If you're married and both you and your spouse have separate HSAs, each of you are eligible to make $1,000 catch-up contributions.
Rules for Married People
The rules for married people apply only if both spouses are eligible individuals. If either spouse has family HDHP coverage, the family contribution limit applies; both spouses are treated as having family HDHP coverage.
If both spouses are 55 or older and not enrolled in Medicare:
- Each spouse is entitled to increase his or her contribution limit with an additional contribution.
- Their maximum total contributions under family HDHP coverage would include a catch-up contribution for each spouse.
- The contribution limit is divided between the spouses by agreement. If there is no agreement, the contribution limit is split equally between the spouses.
- Any additional contribution for age 55 or over must be made by each spouse to his or her own HSA.
HSA Limits on contributions
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