Author Topic: HSA contribution limit for the MFJ 55+ crowd  (Read 1907 times)


  • Senior Mustachian
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HSA contribution limit for the MFJ 55+ crowd
« on: March 23, 2015, 09:09:25 PM »
For those in this demographic (and HSA-eligible under a family plan), note that the 2015 maximum contribution is $6,650 (family) + $1,000 catch-up for each spouse = $8,650.

Appears this may not be well known, including by HSA customer reps.  E.g., see  We had a similar experience, in which the person on the phone said "no, only one catch-up is allowed - at least, that is how I was trained."  The ironic part is that it was a letter from the HSA custodian that alerted us to the "extra" catch-up allowance in the first place.

You do have to create a separate HSA for each spouse.  You can then fund them in any distribution between $7,650/$1,000 and $1,000/$7,650.  It will also require two form 8889s (one for each spouse) come tax time, but the extra $1K tax-advantaged seems to make that effort worthwhile.


  • Pencil Stache
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Re: HSA contribution limit for the MFJ 55+ crowd
« Reply #1 on: April 16, 2015, 06:23:43 PM »
Thanks, I did not know this. Great info and will come in handy for us a bit down the road.