Hi, VictoriaD75 -
I thought one catch-up limit of $1,000 is allowed for each spouse, but only $1,000 is allowed in each HSA account.
In my HSA account covering Jan-Nov, I took a catch-up deduction of $1,000 x (11/12) = $917 out of the $1,000 allowed for me, which is unrelated to the $1,000 limit allowed for her. So, I do not understand why you said "She cannot have a catch-up contribution of $1,000 for January - November and again separately for December."
