Re: @Opus 17's reply in topic 'Impact to HSA contributions once spouse enrolls in Medicare Part A' and follow-up to @Opus 17 answer to @dmertz for my question on November 19, 2025 8:36 AM
So, here is our updated situation.
In summary, I now turned 70, and joined my current employer’s CDHP plan this January, with the family option which includes my wife and daughter.
I got onto Medicare Part A a few years back, but have been continuously covered under my employer’s typical FSA health plan, until this year when I switched to a CDHP family plan, so that my wife can have an HSA..
Since my Medicare status does not allow any contributions to an HSA, can my wife open her own HSA to make the family-limit contribution into it ? She would remain not being covered by any other plan while she makes such contribution.
For her to be able to open an HSA, would she just show the bank her membership in my CDHP family plan?While I could not get any pretax benefits for an HSA, would she instead qualify for that such benefit at tax filing time?
Thank you again for your precious expertise and mastery in this topic !
Best,
