I qualified for HSA contributions Jan-May 2025. For 60 yr old, shouldn't max be (8550/12*5) + 1000? $4562 Catchup 1000 not prorated. Correct?

blairplayer · ‎February 23, 2026

DavidD66 · ‎February 23, 2026

No, the catchup contribution is prorated too. So if you lost your eligibility on the last day of May, your maximum contribution would be:

$8,550 x 5/12 = $3565 and

$1,000 x 5/12 = $417

Total Max Contribution = $3,982

If you didn't lose your coverage some time in June, then you would be eligible for a June contribution. You only have to be eligible on the first day of the month.

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View solution in original post

DavidD66 · ‎February 23, 2026

No, the catchup contribution is prorated too. So if you lost your eligibility on the last day of May, your maximum contribution would be:

$8,550 x 5/12 = $3565 and

$1,000 x 5/12 = $417

Total Max Contribution = $3,982

If you didn't lose your coverage some time in June, then you would be eligible for a June contribution. You only have to be eligible on the first day of the month.

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"

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I qualified for HSA contributions Jan-May 2025. For 60 yr old, shouldn't max be (8550/12*5) + 1000? $4562 Catchup 1000 not prorated. Correct?