My wife and I are both retired, over 55, not on Medicare, have an HSA-eligible medical plan, etc. - I'm looking for clarification on the maximum HSA contribution we can make. Rules I've found:
- The 2026 family contribution limit is $8,750
- "Those 55 and older who are not enrolled in Medicare can contribute an additional $1,000 as a catch-up contribution."
- "If you and your spouse are both age 55 or over, not enrolled in Medicare, and otherwise eligible, you each can make $1,000 HSA catch-up contributions, but you must do so in separate HSAs."
We opened an HSA last year in my wife's name, as she was the last to retire, we made her the primary member on our HDHP marketplace plan, an