Partial year HSA deduction

eyedocbob — Tue, 24 Feb 2026 06:43:14 GMT

Planing ahead for this years return.

My wife and I had a HDHP health insurance plan thru May 31 this year. As of June 1 my new employer offered, and we enrolled in, a great health insurance plan but which is not HSA eligible. Is our HSA contribution for 2023 prorated for 5 months of the yearly eligible amount? We are both over 60. I would like to maximize my deduction and also be able to utilize the HSA to pay eligible expenses.

Thanks!

Re: Partial year HSA deduction

dmertz — Tue, 20 Jun 2023 12:36:07 GMT

Yes, the family limit and each of your catch-up limits is prorated for the 5 months that you were HSA eligible. For 2023 that means a family limit of $3,229,17 split between the two of you in any way you choose and each of you can make a catch-up contribution of $416.67 to your separate HSA accounts.

topic Partial year HSA deduction in Deductions & credits

Partial year HSA deduction

Re: Partial year HSA deduction