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New Member
posted Jan 25, 2025 7:06:59 AM

I am on a "self only" HDP plan and she is on a "Self plus child" HDP plan. In this scenario, what would our combined maximum HSA contribution be for 2024?

"she" is my wife in this scenario.

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1 Replies
Expert Alumni
Jan 25, 2025 7:20:01 AM

The combined maximum HSA for your family for 2024 is $8,300, with an additional $1,000 if one of you is 55 or over.  

 

Please see this Publication 969  from the IRS: Rules for married people. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family coverage under a separate plan, the contribution limit for 2024 is $8,300.