Can I make up HSA donations from 2018 in 2019 if I failed to maximize allowed 2018 donations?

[abread24]

I failed to get my $3,700 check into my HSA account ahead of the 4/15/19 deadline and want to know if I can make up that $3,700 on top of the $4,500 allowed for 2019 much like you can for IRA's since I'm over 55 years of age.

[Opus 17]

No.  For a single HSA, you can contribute $3450 for 2018 and $3500 for 2019, plus $1000 catch-up provision if you are 55 or older.

If you have a family HDHP, you could contribute $6950 for 2018 and $7000 for 2019, plus $1000 catch-up if 55 or older. 

You have until April 15, 2019 to make a retroactive contribution for 2018, if you missed it, you missed it. You don’t get that opportunity back.  

[fivesixteen]

I have a Family HDHP with a Family HSA.  Can I still contribute for Tax Year 2019 the maximum amount up until April 15 2020?

What is the Maximum amount for Family HSA with 2 adults at ages 57 & 58?

[ThomasM125]

You have until the due date or your tax return, which is July 15, 2020 for the 2019 filing season to make your HSA contribution. The limit for a filer who is over 55 and has a family HDHP is $8,000.

[Opus 17]

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@fivesixteen wrote:

I have a Family HDHP with a Family HSA.  Can I still contribute for Tax Year 2019 the maximum amount up until April 15 2020?

What is the Maximum amount for Family HSA with 2 adults at ages 57 & 58?

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First, remember an HSA only has one owner.  It is not a joint account, it is not "ours", it is not your spouse's.  It is yours only.  Your contributions limits are controlled by whether you have individual or family insurance but the account belongs to you only.

If you have a family HDHP, and your spouse does not have any other conflicting insurance coverage, then your spouse is treated for tax purposes as if they also had an HDHP, and may make HSA contributions to an account in their own name, even if the insurance policy is in your name.

The family maximum for 2019 is $7,000 plus a $1,000 catch-up provision for each spouse age 55 or older.  The catch-up provision can only be contributed to an account in the person's own name.  That means you can contribute a maximum of $8,000 to your account and your spouse could contribute $1,000; but only to an account in their name, not your account.  You can split the $7,000 base contribution any way you like, so long as your combined contributions do not exceed $7,000.  The catch-up portion must go to each spouse's individual account.