I have read that the maximum HSA contribution to a family policy is $8550 in 2025. There is also an optional catch-up option of $1000 for persons over age 55. Our family health plan covers one parent, age 59, and two dependent adult children. Am I correct that we can use the catch-up option for a total maximum contribution of $9550 ($8550+$1000)? This is a personal family policy and not work related. Thank you.
026392
1 Best answer
Bsch4477
Level 15
May 5, 2025 3:17:35 PM
Yes, but the additional $1,000 for a person over age 55 applies only to the account holder.
2 Replies
Bsch4477
Level 15
May 5, 2025 3:17:35 PM
Yes, but the additional $1,000 for a person over age 55 applies only to the account holder.
dmertz
Level 15
May 8, 2025 4:54:34 AM
Assuming that family HDHP coverage applies to at least December 2025, the parent covered by this HDHP plan can contribute a total of $9,550 to this parent's HSA, provided that this parent has no disqualifying coverage under some other plan.