BillM223
Expert Alumni

Deductions & credits

Your spouse cannot contribute to your HSA because of Medicare, but you can distribute funds to your spouse (seems odd, but this is how it works) for qualified medical expenses.

 

There is no point to your spouse trying to open an HSA since your spouse can't contribute to it.

 

One HSA can "cover" (i.e., you can pay for expenses for) you, your spouse, and any dependents.

 

So, stuff as much money as you legally can into your HSA, use your health insurance and Medicare as much as you can, then after you go off your employer health insurance, then use the HSA to pay for qualified medical expenses. You can keep and use the HSA for as long as there is money in it.

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