How does a spouse's health coverage impact contribution limits?

If an individual has an HSA, but their spouse has separate health coverage, the following special married couple rules may apply: If the spouse has non-qualifying family coverage that includes the individual, it makes them an "ineligible individual", and they may not contribute to an HSA. If the spouse has an individual HSA-qualifying plan, the individual would have to subtract their spouse's contribution from the maximum that they could otherwise contribute. If the spouse has coverage other than an HSA-qualifying plan and the individual is not covered under that plan, there is no effect on the individual or his or her ability to contribute to their HSA.

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.