Today's topic comes from an anonymous caller who left this message.

Hey Laura, I have questions regarding health savings account eligibility and

contribution. I am covered under my wife employer's less

deductible health plan for 2024 as a family coverage and also I have selected

high deductible health plan through optimum from my employer and I have selected my wife as well so that I can

contribute as a family coverage so my question is am I still eligible to make an HSA contribution up to family coverage if I am covered

under my wife's less predictable health plan through her employer?

I really hope that you can provide me answer for this question and I really appreciate

your all the podcast. I always listen to them and thank you so much for bringing financial security education and peace to all the families in this United States.

I really appreciate it. Thank you so much Laura.

Have a great rest of the next year. Thank you so much Laura. Have a great trust up the next year.

Thank you, bye.

Thanks so much for the question anonymous caller.

Whether you're married or have a domestic partner,

the IRS rules for opening, contributing to, and spending your HSA can get a little tricky.

I'll explain how to use your HSA as a couple to maximize its benefits.

Happy New Year, everyone.

I'm Laura Adams, a personal finance author, speaker, and spokesperson.

I'm also the founder of The Money Stack,

a weekly newsletter and community helping you build your bank account and

liverage on your terms.

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