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# Max HSA contribution?

2017, both 63+, joint high deductible health insurance Jan to Oct.  Nov - Dec, I switched to Medicare, my spouse switched to individual high deductible health insurance.  What is the max contribution for each HSA?

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Level 15

## Max HSA contribution?

TurboTax calculates your maximum contributions as

• 10/12 of the family-coverage limit of \$6,750 split between the two of you (\$5,625),
• plus 10/12 of \$1,000 catch-up to your HSA (\$833),
• plus 2/12 of the \$3,400 single-coverage limit to your spouse's HSA (\$567),
• plus \$1,000 of catch-up to your spouse's HSA (\$1,000).

If you allocate the entire 10/12 of the family coverage limit to your HSA and none of it to your spouse's HSA, your maximum contribution is \$6,458 and your spouse's maximum contribution is \$1,567.  If you instead allocate the entire 10/12 of the family coverage limit to your spouse's HSA, your maximum contribution would be \$833 and your spouse's maximum contribution would be \$7,192.  Regardless of how you split the 10/12 of the family limit, the combined maximum contributions will equal \$8,025.

2 Replies
Level 15

## Max HSA contribution?

TurboTax calculates your maximum contributions as

• 10/12 of the family-coverage limit of \$6,750 split between the two of you (\$5,625),
• plus 10/12 of \$1,000 catch-up to your HSA (\$833),
• plus 2/12 of the \$3,400 single-coverage limit to your spouse's HSA (\$567),
• plus \$1,000 of catch-up to your spouse's HSA (\$1,000).

If you allocate the entire 10/12 of the family coverage limit to your HSA and none of it to your spouse's HSA, your maximum contribution is \$6,458 and your spouse's maximum contribution is \$1,567.  If you instead allocate the entire 10/12 of the family coverage limit to your spouse's HSA, your maximum contribution would be \$833 and your spouse's maximum contribution would be \$7,192.  Regardless of how you split the 10/12 of the family limit, the combined maximum contributions will equal \$8,025.

New Member