High Deductible and HSA

6 replies
75 views

Hello. So I worked for an employer and had a High Deductible plan with an HSA account. They contributed $1650 on Jan 1st and I made contributions of $2300 until my employment ended on April 8th. My wife now has a high deductible but does not contribute to an HSA. Can I still contribute to my HSA or no?

Bsch4477

Level 15

You can only contribute to your HSA if you are covered by her HDHP and have no other coverage.

furmans4Author

Level 2

I am covered by her HDHP with my whole family. She is just not contributing to her HSA as part of it.

Bsch4477

Level 15

You can contribute to your HSA to the maximum amount allowed.

Mike9241

Level 15

one additional requirement is that your wife did not have a Flexible Savings Account covering general medical expenses at any time during the year. this would be considered as you being covered by a non-HDHP baring an HSA contribution. An FSA covering specific types of expenses like dental or vision is okay.

Mike9241

NCperson

Level 15

@furmans4 you state that your wife "now" has a high deductible plan. Did she have that plan on January 1st or did it begin on a later date? What type of coverage did she have as of January 1st? It affects the 2025 contribution limit. Was she covered under your plan through April 8?