Contribution to own HSA for non-employee spouse

[Francis]

Hello,

If the employee is 65 and enrolled in Medicare Part A and can't any longer contribute to his HSA, can his younger non-employee spouse who is covered by the HDHP now open and fund her own separate HSA?

If yes, can she only contribute the individual maximum if the HDHP covers both spouses or is the family contribution an option (no dependents are covered, just the two spouses)?

Thank you!

Frank

[spiritrider]

The spouse is also a qualified individual and can open and fund her own HSA. She may qualify and contribute the full family contribution. Even though younger, if her age >= 55 she can also make the catchup contribution.

The employee is not eligible to make any contributions including the catchup contribution.