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REDDIT

HSA - individual vs family max

M
Mar 11, 2026 · 21:17

My brain is fried. I'm not sure if this is the right place to post. My one remaining brain cell is struggling. I have medical insurance through work, self only. I have always maxed out my HSA. My husband's company just gave him the option of an HSA/opened one for him. He carries the insurance for himself and my two year old daughter. Am I correct in understanding that I can max out at the individual limit of $4,400? And he can max at $8,750? Because it's determined by our insurance status and not our tax filing/marital status, right?