@glesieutre wrote:
Thanks @Mike9241 .
I have an HDHP with family coverage. The HSA is in my name. I made no contributions to the HSA in 2024, as I mistakenly thought Medicare coverage (for both of us) would begin in January.
Let's start over. I think there are facts missing.
In short, if you are the owner of the HSA account, then your ability to contribute is determined by your insurance, not your wife's. If you each own separate HSAs, your ability to contribute is determined by each spouse's specific coverage situation. There is no such thing as a joint or "our" HSA.
1. You say that you were covered by a family HDHP. I assume this is a qualifying HDHP for HSA contributions (not all HDHPs qualify.)
2. Who is the owner of the HSA? Remember that an HSA is an individual account, there are no joint HSAs so it can't be "our" HSA. Any person covered by an HDHP can contribute to an HSA even if they are not the owner of the insurance policy. You and your wife could have separate HSAs, or only one of you has one, but you can't have a joint HSA.
3. What was the HSA owner's medical coverage in 2023? What months were they covered by an HDHP, and what months (in any) were they also covered by "other insurance", because it is the other coverage that makes them ineligible to contribute.
