HSA Contribution limits for married filing separately

X2C — Mon, 17 Mar 2025 20:14:30 GMT

I have a family HDHP. My husband and his daughter are covered under this plan. We file separate tax returns (MFS). What is the maximum I (we?) can contribute to my HSA plan?

Do we have to contribute to separate HSA plans or can all contributions go into just my HSA account?

Re: HSA Contribution limits for married filing separately

LindaS5247 — Mon, 17 Mar 2025 20:31:17 GMT

The HSA contribution limits for 2024 are $4,150 for self-only coverage and $8,300 for family coverage. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.

You don't have to contribute to separate plans. However, if you and your spouse each have HSA-qualified health coverage, and you both plan on contributing to your HSAs, you are required to have separate accounts. Even if you are both covered by the same high-deductible health plan. If you’re maintaining two HSAs with one spouse having a family plan and the other spouse with a self-only coverage plan, you can not combine your annual contribution limits for a total of $12,450.

The IRS views spouses as a single tax unit, even if you are filing "married filing separately," If either spouse is eligible for a family contribution limit that is intended to cover both spouses, the IRS suggests that the family limit be split evenly between the spouses unless a separate allocation is desired.

The IRS gives married couples three different options for contributing to their HSA accounts, regardless of whether they have self-only coverage or a family health insurance plan:

You can split the family medical plan contribution evenly between the spouses.
You can allocate it unevenly, according to a specific division both parties have agreed on.
You can put 100% in one spouse’s account.

Re: HSA Contribution limits for married filing separately

X2C — Thu, 20 Mar 2025 13:26:33 GMT

Thanks for your detailed answer!

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HSA Contribution limits for married filing separately

Re: HSA Contribution limits for married filing separately

Re: HSA Contribution limits for married filing separately