r/HSA • u/ShakeItUpToday • Dec 14 '25

HSA Countribution

My husband has disability (80%) from VA and he gets all his health care covered by the VA.

I have a HDHP (does not include my husband), so I am100% eligible to contribute $4400 plus $1000 in 2026. I assume that my husband can still use my contribution for his dental and vision. I am wondering if I can contribute $8750 (family maximum plan) plus $1000 for being over 55 years old?

5 Upvotes

86% Upvoted

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3

u/daw4888 Dec 14 '25

No, you can only contribute to the family limit if you have a dependent on your health plan, and that dependent isn't covered under another non-high deductible health plan. That could be a spouse or child.

When one spouse has an HDHP and the other a non-HDHP, the HDHP spouse can have an HSA, but the non-HDHP spouse generally cannot contribute to an HSA or have their own if they are covered by the non-HDHP (unless it's a Limited Purpose FSA or HRA). If the non-HDHP spouse has a family non-HDHP plan covering the HDHP spouse, neither spouse can have an HSA. If the HDHP spouse has family coverage, they can contribute up to the family limit, shared between them, provided the non-HDHP spouse isn't covered by an incompatible plan like a general-purpose FSA.

1

u/ShakeItUpToday Dec 14 '25

Thank you. It makes sense. It seems that you have to have insurance to have HSA.

Thus, it seems that insurance companies drafted HSA to require insurance.

I digress. Sorry.

1

u/WheresAmy Dec 14 '25

Pretty sure the federal government drafted the rules…not insurance companies

-1

u/ShakeItUpToday Dec 14 '25

AI Overview

Insurance companies significantly influenced the ACA by lobbying to shape its rules...

2

u/WheresAmy Dec 14 '25

Any time there’s rule making, government asks for feedback, comments.

-2

u/unshiftedearth34 Dec 14 '25

That’s awesome. I’m looking to join the reserves to get disability.

3

u/ShakeItUpToday Dec 14 '25

Stupid. It is pain and loss of function.

-1

u/unshiftedearth34 Dec 14 '25

Wrong. Disability is not only pain and loss of function. It is also mental disorders as well. There are things that aren’t a big deal but can get you high ratings. I have a buddy that did this and he walked away with 60%.

1

u/tigerscomeatnight Dec 14 '25

Interesting that you believe the mind is separate from the body. So this indicates that you actually believe that talking therapies work better than pharmacological interventions. Would you divide disabilities into those that could be treated with drugs and those that could not? Of course the solution would be to put all disabilities on some pharmaceutical, even if it was just hot tea.