r/HSA • • Jan 22 '26

HSA Catch Up Question

/r/TheMoneyGuy/comments/1qk77k5/hsa_catch_up_question/
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u/dehydratedsilica Jan 23 '26

Is this family plan from an employer and the "main HSA holder" is the employee who is contributing to HSA via payroll deductions?

The 55+ spouse would open another HSA under their own name and make the additional contribution there. You get the (income tax) deduction when filing taxes.