Can I use my HSA for my spouse if they are not a dependent?
Asked by: Darryl Ziemann DVM | Last update: December 18, 2025Score: 4.3/5 (68 votes)
Can I use my HSA for my spouse who is not a dependent?
You can use money from your HSA to pay for your spouse's medical expenses as long as those expenses fit into the IRS rules. The IRS allows you to use your HSA to pay for eligible expenses for your spouse, children or anyone who is listed as a dependent on your tax return.
Can I use my HSA to pay for my spouse?
Can I use my HSA to pay for my spouse, domestic partner, or children's medical expenses? Yes, as long as you use the funds to pay for qualified medical expenses, you can pay for any family member who is a tax dependent on your tax return.
Can I use my HSA for domestic partner?
Yes, you can use your HSA for your spouse's out of pocket medical expenses.
Can I use my HSA to pay for my adult child?
The Affordable Care Act (ACA) requires that major medical plans cover dependents to age 26; however, these dependents do not need to be tax dependents. To use your HSA funds for your dependent child's health expenses, the adult child must be claimed as a tax dependent on the HSA's owner tax return.
Can I Use My HSA For My Spouse?
What is the adult child loophole for HSA?
Here it is: “If your adult, non-dependent child is only covered by your High Deductible Health Plan, they (or you) can also make a family contribution into THEIR HSA in addition to yours.” For 2024, that contribution limit is $8,300 (in 2025, it'll be $8,550).
What qualifies as family coverage for HSA?
Family coverage is any coverage other than self-only coverage (e.g., an HDHP covering one eligible individual and at least one other individual (whether or not the other individual is an eligible individual)).
How much can a married couple put in an HSA?
HSA Contribution Reminders
Married couples with HSA-eligible family coverage will share one family HSA contribution limit of $8,300 in 2024 and $8,550 in 2025. If both spouses have eligible self-only coverage, each spouse may contribute up to $4,150 in 2024 and up to $4,300 in 2025 in separate accounts.
Can you and your spouse have separate HSA?
No, the FHSA is an individual savings plan only. However, if you buy your property with your spouse, you can combine both of your FHSA accounts. The lifetime contribution limit of $40,000 applies to everyone.
What disqualifies you from contributing to an HSA?
If you can receive benefits before that deductible is met, you aren't an eligible individual. Other employee health plans. An employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses can't generally make contributions to an HSA. FSAs and HRAs are discussed later.
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Can I use my HSA for my wife's pregnancy?
You may only use your HSA to pay for qualified medical expenses for yourself, spouse, children or other dependents. Using your HSA to pay qualified medical expenses for your spouse does not affect your annual contribution limit.
What happens to unused HSA funds?
Unlike many flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), unused HSA funds automatically carry over to the following year. Even if your employer provided the account and made contributions, the account belongs to you — so any remaining funds are carried over every year.
Can I use HSA if my spouse is not on insurance?
Can I use my HSA funds to pay for my spouse's medical expenses? You definitely can, even if your spouse doesn't have an HSA or a HDHP. You can also use your HSA funds to pay for the medical expenses of any dependent children claimed on your income tax return.
What is the 12 month rule for HSA?
It means you must remain eligible for the HSA until December 31 of the following year. The only exceptions are death or disability. If you violate the testing period requirement, your ineligible contributions become taxable income.
Can I use my HSA for a massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
What is the 90 day rule for FHSA?
Contribute to the FHSA in each calendar year, including when you plan to buy a home, and delay your RRSP contribution until at least 90 days before you intend to withdraw your funds.
Can you transfer HSA from one spouse to another?
The IRA and HSA in question must be owned by the same individual (funds are non-transferable to a spouse or partner). Funds can be transferred from a Traditional or Roth IRA without further restrictions. Funds can be transferred from an SEP or Simple IRA as long as the IRA is no longer considered “ongoing” by the IRS.
Can my spouse contribute to my FHSA?
Only the account holder is eligible to claim the tax deduction for contributions made to an FHSA. A family member can't contribute to your account and take the tax benefits for themselves.
Can my wife put money in my HSA account?
Spouses cannot have a joint HSA. Each spouse who wants to contribute to an HSA must open a separate HSA. Dollars cannot be transferred between the HSAs. However, one spouse may use withdrawals from their HSA to pay or reimburse the eligible medical expenses of the other spouse, without penalty.
Can I use my HSA to pay for my girlfriend?
The only time you can use your HSA to pay for the healthcare costs of a friend is if you have named that person as a dependent on your most recent tax return (provided that they qualify under the non-relative qualifications — detailed below).
What happens when my HSA balance is $0?
Will my HSA account remain open if I have a $0 balance? The account will remain open if you have a $0 balance. There is no fee assessed to you for having a $0 balance.
Can I use my HSA for non-dependent?
You can't contribute any more money to your HSA, unless you switch to another qualified HDHP. But you can use the money that's left in your HSA to cover qualified medical expenses for yourself, your daughter, and your parents (parents are only eligible if qualifying relative dependents, like we mentioned above).
Can a husband and wife have separate HSA accounts?
If you and your spouse each have HSA-qualified health coverage, and you both plan on contributing to your HSAs, you must have separate accounts. This is true even if you're both covered by the same high-deductible health plan. Additionally, whether you have a single or family plan affects the limits for HSAs.
Can I use HSA to pay insurance premiums?
By using untaxed dollars in an HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your out-of-pocket health care costs. HSA funds generally may not be used to pay premiums.