Can I Select Aetna HSA Family Plan If One Dependent Is Over 65?

When considering enrolling in an HSA family plan, one common question that arises is whether you can select an Aetna HSA family plan if one of your dependents is over the age of 65. The answer is yes, you can still choose an Aetna HSA family plan even if one of your dependents is over 65 years old. However, there are some important considerations to keep in mind.

Health Savings Accounts (HSAs) are versatile savings tools that offer tax advantages for individuals and families who are enrolled in high-deductible health plans (HDHPs). Here are some key points to consider when it comes to selecting an Aetna HSA family plan with a dependent over 65:

• An HSA can be used to cover qualified medical expenses for yourself, your spouse, and any dependents claimed on your tax return, regardless of their age.
• If your dependent over 65 is enrolled in Medicare, they can still be covered under your Aetna HSA family plan, but they would not be eligible to contribute to the HSA themselves.
• While contributions to an HSA can continue as long as you are eligible, individuals over the age of 65 may have different contribution limits due to Medicare eligibility.
• It's important to review the specific details of the Aetna HSA family plan you are considering to ensure it meets the needs of your entire family, including any dependents over 65.

Ultimately, it is possible to select an Aetna HSA family plan with a dependent over 65, but understanding the implications and limitations is key to making an informed decision that best suits your family's healthcare needs.

Yes, it's entirely feasible to enroll in an Aetna HSA family plan even if one of your dependents is over the age of 65. It's a great way to ensure that all family members have their healthcare needs covered.