Can I Use Maximum Family Deduction for HSA If I Have a High Deductible Plan But My Wife Does Not?

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Spouse not on Medicare, family limit

If you have a high deductible health plan but your spouse does not, you may still be able to contribute to a Health Savings Account (HSA) up to the family limit.

If you find yourself in a scenario where you have a high deductible health plan (HDHP) while your spouse is on a different plan, you might be wondering how this affects your Health Savings Account (HSA) contributions. The good news is that you can still contribute the maximum family limit to your HSA, provided your spouse isn’t enrolled in Medicare.

How contributions work and 2020 limits

Here's how it works:

• For 2020, the maximum HSA contribution is $7,100 for families and $3,550 for individuals.
• If you have a family HDHP and your spouse has a non-HDHP, you can contribute up to the family limit as long as your spouse is not enrolled in Medicare.
• Make sure to clarify your eligibility with your HSA provider or financial advisor.

While you may not be eligible for the full family deduction, you can contribute up to the family limit if you meet certain criteria.