Note that there is no "our" HSA. An HSA is owned and contributed to by an individual. $9,327 exceeds the amount that any one individual is permitted to contribute to an HSA. It also exceeds that amount that spouses are permitted to contribute combined. Assuming that you were both HSA-eligible for all 12 months of the year, if either of you has a family HDHP plan the $7,100 regular HSA contribution limit for having family HDHP coverage is split between the two of you. If you each have a separate self-only plan, each has a regular limit of $3,550. Either of you who is age 55 or over is also permitted a catch-up contribution of $1,000.
