How Much Contribute To Hsa When Spouse Has Health Insurance?

When it comes to health insurance, there are many questions couples may have when both spouses have coverage. Many couples want to know how much they can contribute to a Health Savings Account (HSA), if one spouse has health insurance and the other doesn’t.

In this blog post, we will explore the rules and regulations regarding HSAs and how much you can contribute depending on if both spouses have health insurance or not. We will also discuss other factors which can affect your contributions, such as income level and type of plan. Read on to find out what you need to know about HSAs and their contribution requirements.

How much can you contribute to an HSA when your spouse has health insurance?

If you have a high-deductible health plan (HDHP), you may be able to contribute to a health savings account (HSA). If your spouse also has an HDHP, you may each be able to contribute to your own HSA.

The amount you can contribute to an HSA depends on the type of HDHP coverage you have and the number of people covered by your plan. For 2019, if you have self-only HDHP coverage, you can contribute up to $3,500 to your HSA. If you have family HDHP coverage, you can contribute up to $7,000.

If your spouse also has an HDHP, he or she can contribute to his or her own HSA, even if you don’t have family coverage. This is true even if your spouse’s HDHP covers only him or her and no one else.

What if you have family health insurance?

If you have family health insurance, your contribution to an HSA may be limited. Check with your insurance provider to see if they offer a family HSA and what the contribution limit is. If you’re not sure, ask your employer or tax advisor.

How to calculate your HSA contribution limit

If you’re married and have a family, you can contribute up to $7,000 to your HSA in 2020. This is double the $3,500 contribution limit for individuals. If you’re age 55 or older, you can contribute an additional $1,000.


It is important to consider your spouse’s health insurance when deciding how much to contribute to an HSA. By understanding the implications of a spouse with health insurance and their impact on an HSA, you can ensure that you are making the most out of your contributions and maximizing the benefits available through this type of account.

With a little bit of research and planning, you can make sure that both you and your spouse are taking full advantage of all potential tax savings opportunities offered by an HSA account.