In the early days of our HSA (2005), it was an easy choice HSA premium + balance of family ded after Employer contributions <= premium for trad 80/20 plan, and less stressful for me. There were more years we only were able to “top off” the HSA to cover our exposure too. As the years have gone on, the family ded now exceeds the max contribution, so I’m not sure we’d make the same choice starting out now. I’m glad we have it, but I don’t think it’s what it was previously.now my question, since our family plan is through my DH, is there anyway for me to be able to contribute my $1k catchup (he does his) too? Although I’m working again, I’m not eligible for coverage through my employer and have minimal earnings (2025 <$100, 2026 <$8k). Thanks everyone :-)
We (DH & I) have a FamilyHSA through his employer. We have both reached (& passed the 55 pt) so we have added in the extra $1k annual contribution. My question is, how do I get the benefit of the extra $1k contribution? Our family deductible now exceeds the max contribution and I’d like to put aside every bit we can. Important details, I began working again last year (<$100 in wages 2025, <$6,000 for 2026), no benefits - offered or taken. Trying to read the IRS info has not given me a clear answer. Additionally, in the year we begin Medicare (same year & month for us both) will we still be eligible for the months of the year we’re not on Medicare? TIA
Comments
In the early days of our HSA (2005), it was an easy choice HSA premium + balance of family ded after Employer contributions <= premium for trad 80/20 plan, and less stressful for me. There were more years we only were able to “top off” the HSA to cover our exposure too. As the years have gone on, the family ded now exceeds the max contribution, so I’m not sure we’d make the same choice starting out now. I’m glad we have it, but I don’t think it’s what it was previously. now my question, since our family plan is through my DH, is there anyway for me to be able to contribute my $1k catchup (he does his) too? Although I’m working again, I’m not eligible for coverage through my employer and have minimal earnings (2025 <$100, 2026 <$8k). Thanks everyone :-)
Post: HSA Tips
Link to comment from March 1, 2026
We (DH & I) have a FamilyHSA through his employer. We have both reached (& passed the 55 pt) so we have added in the extra $1k annual contribution. My question is, how do I get the benefit of the extra $1k contribution? Our family deductible now exceeds the max contribution and I’d like to put aside every bit we can. Important details, I began working again last year (<$100 in wages 2025, <$6,000 for 2026), no benefits - offered or taken. Trying to read the IRS info has not given me a clear answer. Additionally, in the year we begin Medicare (same year & month for us both) will we still be eligible for the months of the year we’re not on Medicare? TIA
Post: HSA Tips
Link to comment from February 28, 2026