Can a Couple Choose Family HSA Contributions with One Spouse on Medicare?

If one spouse is on Medicare, the other spouse can still contribute to a family HSA as long as the HSA account holder is eligible for an HSA. The spouse on Medicare, however, cannot contribute to the HSA. This can be a great way for couples to save for medical expenses even if one spouse is on Medicare.

Health Savings Accounts (HSAs) are a tax-advantaged way to save for medical expenses. They are available to individuals who are enrolled in a high-deductible health plan (HDHP). If one spouse is enrolled in Medicare, they may not be eligible for an HSA, but the other spouse who is not on Medicare can still contribute to a family HSA.

If one spouse is receiving Medicare benefits, the other spouse can continue contributing to a family Health Savings Account (HSA) as long as they themselves are eligible. This means you can effectively save for future medical expenses together, even if one spouse is not eligible to contribute due to Medicare coverage.