I have read that the maximum HSA contribution to a family policy is $8550 in 2025. There is also an optional catch-up option of $1000 for persons over age 55. Our family health plan covers one parent, age 59, and two dependent adult children. Am I correct that we can use the catch-up option for a total maximum contribution of $9550 ($8550+$1000)? This is a personal family policy and not work related. Thank you.
Yes, but the additional $1,000 for a person over age 55 applies only to the account holder.
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