var s = new Array();

s[0] = "<B>I am Over 55 but Under 65. Are there Additional Benefits for Me?</B>^^The government has allowed people over the age of 55 to invest more than others into their HSAs through catch up contributions. This means that you are allowed to invest additional money into your HSA in the following manner: 2005 $600 2006 $700 2007 $800 2008 $900 2009+ $1000 If you turn 55 during any of the years above, you can only contribute a pro-rated amount based on the number of full months you are 55. These contributions must stop once you become eligible for Medicare.";

s[1] = "<B>How Much Can I Contribute To My HSA Each Year?</B>^^Your annual HSA contribution cannot exceed the deductible of your HDHP. For example, if you choose a plan with a deductible of $1,100, you may not deposit more than $1,100 in your HSA for that year. If you want to save more, you must choose an HDHP with a higher deductible. If you are age 55 or older, you can also make additional catch-up contributions";

s[2] = "<B>I Turned 55 This Year. Can I Make The Full Catch-Up Contribution?</B>^^If you had HDHP coverage for the full year, you can make the full catch-up contribution regardless of when your 55th birthday falls during the year. If you did not have HDHP coverage for the full year, you must pro-rate your catch-up contribution for the number of full months you were eligible (i.e., had HDHP coverage).";

s[3] = "<B>If Both Spouses Are 55 And Older, Can Both Spouses Make Catch-Up Contributions? </B>^^Yes, if both spouses are eligible individuals and both spouses have established an HSA in their name. If only one spouse has an HSA in their name, only that spouse can make a catch-up contribution.";

s[4] = "<B>If Each Spouse Has Self-Only HDHP Coverage (neither spouse has family coverage), How Much Can We Contribute? </B>^^Each spouse is eligible to contribute to an HSA in their own name, up to the annual contribution maximums for each policy plus catch up contributions, if applicable.";

s[5] = "<B>Can Couples Establish a Joint Account and Both Make Contributions to the Account, Including Catch-Up Contributions? </B>^^Joint HSA accounts are not permitted. Each spouse should consider establishing an account in their own name. This allows you to both make catch-up contributions when each spouse is 55 or older.";