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Employee
March 22, 2025
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Reporting HSA for self and spouse

  • March 22, 2025
  • 1 reply
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During 2024, me and my spouse had separate HSA accounts from our respective employers. As per IRS rules, we both can contribute $4150 each. IRS does allow additional 1000 if over 55. Since I am over 55 and spouse is not, can i still consider the max allowed HSA contribution to be 8300 + 1000?   

Best answer by KeshaH

Yes, each of you can contribute the $4,150 + $1,000 catch up (when eligible) into your separate accounts. Since you are over 55, your maximum contribution is $5,150 while your spouse's maximum contribution $4,150.

1 reply

KeshaHAnswer
March 22, 2025

Yes, each of you can contribute the $4,150 + $1,000 catch up (when eligible) into your separate accounts. Since you are over 55, your maximum contribution is $5,150 while your spouse's maximum contribution $4,150.