What is the maximum contribution to a HSA if the husband is 65 already and on Medicare and the wife is 64 and of course is not? She is on a qualifying plan.

[rjvanden]

She is 64 and on a qualifying Hi Deductible plan and will turn 65 in June this year. I am not sure of the maximum contribution to the HSA in this situation.

[dmertz]

Is your wife's HDHP plan presently a self-only plan or a family plan?
If it's a family plan, will she be switching that to a self-only plan beginning in June, the first month you are covered by Medicare (assuming your birthday is not June 1, otherwise May is the first month of your Medicare coverage)?

[rjvanden]

The plan is now a self-only plan,  with a birthday in mid June so yes May will be the 1st month of coverage for Medicare.

[dmertz]

Although not relevant to the question that you asked, with your birthday being in mid June your Medicare coverage starts on June 1 as long as you sign up within the Initial Enrollment Period.

[DDollar · Accepted solution]

The 2018 annual contribution limit that individuals with single medical coverage can contribute to a health saving account is $3,450, and an additional $1,000 if you are 55 or older.  The limit increased to $3,500 for 2019.

[dmertz]

If your wife is the only one covered by the HDHP plan in all of 2019, contributions can only be made *her* HSA and the self-only limit plus catch-up applies as described in the answer above.