Planing ahead for this years return.
My wife and I had a HDHP health insurance plan thru May 31 this year. As of June 1 my new employer offered, and we enrolled in, a great health insurance plan but which is not HSA eligible. Is our HSA contribution for 2023 prorated for 5 months of the yearly eligible amount? We are both over 60. I would like to maximize my deduction and also be able to utilize the HSA to pay eligible expenses.
Thanks!
Yes, the family limit and each of your catch-up limits is prorated for the 5 months that you were HSA eligible. For 2023 that means a family limit of $3,229,17 split between the two of you in any way you choose and each of you can make a catch-up contribution of $416.67 to your separate HSA accounts.
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