HSA Catchup

Have a question about HSA $1000 catchup. I made $1000 catchup HSA contribution in the beginning of 2025 because I have a HDHP. In October, I enrolled Medicare Part A which retroactively started April 1, 2025. I called my HSA custodian about the excess contribution. I was told the catchup contribution is not considered as excess contributions, and don't need to request return excess contribution for the catchup contribution. Is answer correct?

8307

Level 15

Nov 4, 2025 12:43:16 PM

The catch-up is affected in the same way as the general contribution limit.

If you enrolled effect April 1, then your allowable total contribution for 2025 if you are covered by a single HDHP is

$4300 ÷ 12 x 3 months = $1075

Plus

$1000 ÷12 x 3 months = $250

for a total of $1325.

If you are covered by a family HDHP, your enrollment limit is $2137.50 plus $250 = $2387.50.

There is one limit for the year, calculated from both your general limit and the catch-up amount, based on the number of months you were eligible. If you only contributed $1000, then you are under either limit. If you contributed $1000 plus other money, you might be over, see above.

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HSA Catchup