Family HSA account holder, Medicare, and HDHP

[flatflo]

• I started on Medicare 10/1/2025 at 49 (*edited from 59) because of SSDI
• I have been on my husband's qualified HDHP through his employer and am keeping that coverage through the end of the year as I've met the OOP max
• I am the account holder of a family HSA where we have been putting 100% of our annual contributions at the end of each year up to the family limit

1. How much can we deposit into a HSA in 2025? I've read that the spouse not on Medicare can contribute the max family amount ($8550.00) as long as we maintains a family HDHP.

2. Can it be deposited into my family HSA? I've also read that anyone can deposit into my account, but I'm unclear if I have to be eligible when it is deposited or if we need to open a HSA sooner rather than later for hubby.

3. We’ll be opening a Self-Only HSA for my husband where he can contribute $4400 maximum in 2026.

4. I'm aware that I can use HSA funds to pay for Medicare Parts A & D. Part B is paid from my SSDI benefit and instead of Part C I am opting for MediGap where my HSA cannot be used for premiums. HSA funds can still be used for qualifying medical expenses like deductibles and copayments.

5. Is there anything else I'm overlooking?

[Mike9241]

. How much can we deposit into a HSA in 2025? I've read that the spouse not on Medicare can contribute the max family amount ($8550.00) as long as he maintains a family HDHP.

to your HSA 9/12 of (9550) because once on Medicare you are disqualified from making prorata HSA contributions

that's 8550 + 1000 for being over 55. the six-month look-back rule does not apply because you are under 65

the balance of 3/12* 8550 would have to go into hubby's HSA. if he's over 55 at year end he can contribute an extra $1000

2. Can it be deposited into my family HSA? I've also read that anyone can deposit into my account, but I'm unclear if I have to be eligible when it is deposited or if we need to open a HSA sooner rather than later for hubby.

there is no such thing as a family HSA. Every HSA must be in the name of just one individual. 

3. We’ll be opening a Self-Only HSA for my husband where he can contribute $4400 maximum in 2026.

as long as he has family coverage, is not covered by Medicare, and does not have any non-HDHP coverage (certain coverage like for dental or vision are ignored)  he can contribute the family loimit + 1000 if over 55 at year end

4. I'm aware that I can use HSA funds to pay for Medicare Parts A & D. Part B is paid from my SSDI benefit and instead of Part C I am opting for MediGap where my HSA cannot be used for premiums. HSA funds can still be used for qualifying medical expenses like deductibles and copayments.

5. Is there anything else I'm overlooking?

[Opus 17]

There is no such thing as a "family" HSA.  HSA's are owned by one single individual only, no matter what kind of coverage you have.  

There is no such thing as a "single" or "family" HSA, an HSA is just a bank account.  The contribution limit is controlled by the kind of insurance you have, but there is only one kind of HSA.

If you (spouse A) were covered by a family HDHP up until October 1 and you are over age 55, your maximum contribution for 2025 is $7125 from the family HDHP limit plus $833 from your catchup provision.  (10/12ths of the annual limit).

Your spouse (spouse B) can open an HSA in their name right now, no need to wait for 2026.  If your spouse is covered by a family HDHP for the whole year, and no other disqualifying coverage, they can contribute up to $8550, plus $1000 personal catchup if they are also 55 or older.  Their contribution under the family limit is reduced by your contribution under the family limit, but their catch-up is not affected.  That means that if you already contributed $7125 under the family limit, your spouse can contribute $1425 under the family limit plus $1000 catch up.

For 2026, if your spouse is still covered by a family HDHP, as you indicate, then your spouse can contribute $8750 plus $1000 catch-up (if 55 or older).  If your spouse changes their coverage to single only, they can contribute up to $4400 plus $1000 if 55 or older.