u/ethandjay

My wife and I got married earlier this month. We both had eligible individual HDHP plans and were contributing to our HSA's. We'd now like to have her on my plan, which would turn into a family plan (so 5 months on the individual plans, 7 on the family plan). Using the pro-rating rule, is our limit $8,770.83 (so really $8750, including both of our individual plans pro-rated), or $6,937.50 (including just my individual plan pro-rated)? If it's the former, does it matter that with her employer contributions, she's already contributed $2,000 on the individual plan? That's larger than the pro-rated limit, but maybe only the total matters? Thanks.