. 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 he maintains a family HDHP.
to your HSA 9/12 of (9550) because once on Medicare you are disqualified from making prorata HSA contributions
that's 8550 + 1000 for being over 55. the six-month look-back rule does not apply because you are under 65
the balance of 3/12* 8550 would have to go into hubby's HSA. if he's over 55 at year end he can contribute an extra $1000
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.
there is no such thing as a family HSA. Every HSA must be in the name of just one individual.
3. We’ll be opening a Self-Only HSA for my husband where he can contribute $4400 maximum in 2026.
as long as he has family coverage, is not covered by Medicare, and does not have any non-HDHP coverage (certain coverage like for dental or vision are ignored) he can contribute the family loimit + 1000 if over 55 at year end
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?
