How do contributions work if both spouses have individual HSAs?

If each is enrolled in their own plan as self-only coverage, the maximum amount that can be contributed to each account is limited to the individual IRS contribution limit. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage, and the contribution limit is combined for both spouses and limited to the family IRS contribution limit. The contribution limit is split equally between the spouses unless there is an agreement on a different division. If each spouse has family coverage under a separate plan, the contribution limit is combined for both spouses and limited to the family IRS contribution limit. The contribution limit is split equally between the spouses unless there is an agreement on a different division.

Introducing UMB HSA Saver

UMB HSA Saver is a unique investment platform designed with ease in mind. Account holders can easily research, buy and sell funds with a couple clicks.

How to Use ReceiptVault

HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

HSA FAQ Resource

Find answers to your most common HSA questions in our comprehensive HSA FAQs section.