How much can someone with a High Deductible Health Plan contribute to his/her account, and does this change if covered dependents are not HSA-eligible?

The annual contribution limit is based on the individual’s age (under 55 or 55 and older) and coverage type (self-only or family).

Contribution limits for 2019:

  • Self-only: $3,500
  • Family: $7,000
  • Catch-up (55+): additional $1,000

The HSA eligibility of family members covered under the High Deductible Health Plan DOES NOT MATTER. For instance, a husband covers himself and his wife on an HDHP, so he his eligible to contribute $7,000 even if his wife is not eligible because she has other disqualifying coverage.

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