For 2024, the annual contribution limits on deductions for HSAs for individuals with self-only coverage is $4,150 (increase of $300) and $8,300 for family coverage (increase of $550). There is an additional contribution amount of $1,000 for taxpayers who are age 55 or older.
Each individual's catch-up contribution must be made to that individual's HSA. There is no such thing as a joint HSA, so the maximum that could be contributed to one spouse's HSA is $9,300. With both spouses being over age 55 and being eligible to contribute to an HSA, if one spouse contributes the maximum $9,300 to that spouse's HSA, the other spouse can contribution only their $1,000 catch-up contribution to that other spouse's HSA.
Each individual's catch-up contribution must be made to that individual's HSA. There is no such thing as a joint HSA, so the maximum that could be contributed to one spouse's HSA is $9,300. With both spouses being over age 55 and being eligible to contribute to an HSA, if one spouse contributes the maximum $9,300 to that spouse's HSA, the other spouse can contribution only their $1,000 catch-up contribution to that other spouse's HSA.