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New Member
posted Jun 5, 2019 3:07:53 PM

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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1 Best answer
Level 15
Jun 5, 2019 3:07:54 PM

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
Jun 5, 2019 3:07:54 PM

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
Jun 5, 2019 3:07:55 PM

Very helpful!  Thank you!