Anonymous
Not applicable

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you can have 50 HSA's.     the overall limitation is still the same.   $7,000 (with additional $1,000 if one of you over 55)  the max that can you and you spouse can contribute is reduced by employer matching contributions.  

 

 

the rules state that if either spouse has family coverage, both are treated as having family coverage.  Each is treated as having the lower annual deductible of either  plan.  thus the minimum annual deductible for both plans must be the family limit of $2,700 with a maximum deductible of $13,300   (these $ are 2018)  .   if the self only plan has a deductible less than the $2,700. neither can contribute to an HSA because the "family" is not covered by a High Deductible Health Plan