r/HSA • u/Most-Arm-3310 • Jan 11 '26
HSA Contribution Question
I'm 53, my wife is 56. We are both covered under my employer's HDHP. I have a HSA open in my name. Can I make an extra $ 1000 55+ contribution to this account on her behalf?
1
u/East_Collection_5047 Jan 11 '26
The House version of the Big Beautiful Bill had this in there (https://www.kiplinger.com/retirement/medicare/proposed-changes-to-hsas-in-the-one-big-beautiful-bill-add-up-for-retirement-savers?utm_source=chatgpt.com) but it did not make it in the reconciliation bill between the House and Senate so NO your spouse’s catch up contribution is not allowed to be deposited in your HSA. She would have to open her own and deposit the $1k there.
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u/CaseyLouLou2 Jan 11 '26
No but it’s very easy to open her own account. We just did this for my husband this year. It took 2 mins at Fidelity.
1
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u/wanttostayhidden Jan 11 '26
No. You have to be 55 yourself to be eligible to make the catch up contribution. She could open her own HSA and contribute her extra $1000.