- I started on Medicare 10/1/2025 at 49 (*edited from 59) because of SSDI
- I have been on my husband's qualified HDHP through his employer and am keeping that coverage through the end of the year as I've met the OOP max
- I am the account holder of a family HSA where we have been putting 100% of our annual contributions at the end of each year up to the family limit
1. How much can we deposit into a HSA in 2025? I've read that the spouse not on Medicare can contribute the max family amount ($8550.00) as long as we maintains a family HDHP.
2. Can it be deposited into my family HSA? I've also read that anyone can deposit into my account, but I'm unclear if I have to be eligible when it is deposited or if we need to open a HSA sooner rather than later for hubby.
3. We’ll be opening a Self-Only HSA for my husband where he can contribute $4400 maximum in 2026.
4. I'm aware that I can use HSA funds to pay for Medicare Parts A & D. Part B is paid from my SSDI benefit and instead of Part C I am opting for MediGap where my HSA cannot be used for premiums. HSA funds can still be used for qualifying medical expenses like deductibles and copayments.
5. Is there anything else I'm overlooking?
