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January 25, 2025
Question

I am on a "self only" HDP plan and she is on a "Self plus child" HDP plan. In this scenario, what would our combined maximum HSA contribution be for 2024?

  • January 25, 2025
  • 1 reply
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"she" is my wife in this scenario.

    1 reply

    January 25, 2025

    The combined maximum HSA for your family for 2024 is $8,300, with an additional $1,000 if one of you is 55 or over.  

     

    Please see this Publication 969  from the IRS: Rules for married people. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family coverage under a separate plan, the contribution limit for 2024 is $8,300.