Thank you, @Mike9241, for the reply!
I was not clear in my wording; both of us were never under in an HDHP and never had an HSA, my question pertains now to the benefits for a 2026 coverage.
We were covered instead by a non-HDHP plan up to 12/31/2025, and are now covered as family in CareFirst BlueChoice Advantage HSA which states itself as an HDHP plan. (Overall deductible: In-Network: $1,800 individual/ $3,600 family; Out-of-Network: $3,600 individual/ $7,200 family.)
As my own Medicare status does not allow me to contribute to an HSA, we would like my wife to open an HSA on her name to make deductible contributions with a family-limit.
Assuming that we have an HDHP plan, does she have up to April 2026 to try meet the limit?
Even if my CareFirst plan will send us its debit card, I cannot fund that HSA. Once my wife has an HSA, will we get a debit card to cover our family medical expenses?
Best regards,
@W16VA
