High Deductible and HSA

[furmans4]

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]

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

[furmans4]

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

[Bsch4477]

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

[Opus 17]

That's fine.  Your eligibilty to contribute is based on your coverage, not who owns the policy.  As long as you are covered by an HDHP and have no other coverage, you can contribute.

For 2025, your contribution limit (including employer funds) is $6,966.  That is based on being covered by an individual HDHP for 4 months and a family HDHP for 8 months.  If you are over age 55, you can contribute an additional $1000.

Remember that HSA accounts are owned individually, they are not joint.  Your spouse could contribute to a separate account in her name if she wanted to.  Her personal contribution limit would be $5,533, except that anything she contributes reduces your overall contribution limit, because you can't exceed the overall maximum between you.

Lastly, note that if you plan to remain covered by a family HDHP for all of next year (2026), you can contribute up to the family maximum of $8300 for 2025 by using the last month rule, instead of the limits I previously mentioned.  However, if you lose your coverage in 2026, you will have to pay a penalty for over-contributing in 2025. 

[Mike9241]

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. 

[NCperson]

@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?