Subject: Re: Opened HSA 2026
Although our marketplace family plan premium has absolutely skyrocketed (no subsidy, nearly $2800/month!🙁), at least our Bronze plan is now HSA Eligible. I literally opened up a Fidelity HSA account and funded it $9750 (max family >55yo) from another established Fidelity acct in under 10 min.

I tried to open a Fidelity HSA yesterday. I guess lots of folks had the same idea...mine failed. I'll try again today.

https://www.fidelity.com/learn...

For 2025, the IRS contribution limits for HSAs are $4,300 for individual coverage and $8,550 for family coverage. For 2026, the limits rise to $4,400 and $8,750, respectively. If you're 55 or older and not enrolled in Medicare during either tax year, you may be able to make a catch-up contribution of up to $1,000 per year. Your spouse, if age 55 or older and not enrolled in Medicare, could also make a catch-up contribution, but will need to open their own HSA.

Family coverage (5 of us). Both parents are over 55. So, $8750 for family, catch-up for me $1000, catch-up for spouse $1000 in a separate account.

Can we split it to $5375 in each account? Or does one have to be $9750, the other $1000?

Our marketplace family plan premium is now $3430.40/mo!