From the IRS documentation, it seems to me like we should both be able to contribute $4300 in our own HSA accounts since we don't have family health coverage. My company is telling me that the $8550 family limit would still apply. Can anyone provide more information?
The HSA contribution will be $4300 each since you won't have family coverage at any time in 2025.
I have posted a link to the 2023 instructions for form 8889. see those for line 3 but use the 2025 limits
https://www.irs.gov/pub/irs-pdf/i8889.pdf
The family coverage limit only applies if either or both had a family coverage HDHP.
The HSA contribution will be $4300 each since you won't have family coverage at any time in 2025.
I have posted a link to the 2023 instructions for form 8889. see those for line 3 but use the 2025 limits
https://www.irs.gov/pub/irs-pdf/i8889.pdf
The family coverage limit only applies if either or both had a family coverage HDHP.