Can I Contribute to HSA if My Spouse is Under 65?

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Spousal age and your HSA eligibility

Yes, you can contribute to a Health Savings Account (HSA) even if your spouse is under 65 years old. As an individual, you have the option to contribute to your own HSA regardless of your spouse's age.

Absolutely! You can contribute to your own Health Savings Account (HSA) even if your spouse is under 65 years old. The great news is that your eligibility to contribute to an HSA is not impacted by your spouse's age.

What HSAs let you save for

HSAs offer a tax-advantaged way to save for qualified medical expenses for you and your eligible dependents, and understanding the eligibility rules can help you maximize the benefits:

Contributing to an HSA can help you save for future medical expenses, enjoy tax benefits, and take control of your healthcare costs. Remember to keep track of your contributions and ensure compliance with IRS guidelines to fully leverage the benefits of an HSA.

Contribution rules and limits for couples

• Both spouses can contribute to their own separate HSAs if they meet the eligibility criteria.
• If you have family coverage, you can contribute up to the family maximum allowed by the IRS, regardless of your spouse's age.
• If your spouse is not eligible to contribute to an HSA due to being covered by a non-HDHP (High Deductible Health Plan) or other disqualifying coverage, your own contributions to your HSA can still be made.

It's important to be aware of the contribution limits, which are set annually by the IRS. For 2021, the contribution limit for individuals with self-only coverage is $3,600, and for those with family coverage, it is $7,200.