First, does the HSA belong to you? HSAs belong to an individual, like an IRA.
Second, what type of High Deductible Health Plan do you have? Is it a Family plan (as opposed to Self-only). I guess it must be if your spouse is also covered by it, but do confirm with your carrier.
The annual HSA contribution limit for someone who has Family coverage and who is 55+ for 2021 is $8,200. If your HDHP policy turns out to be Self-only, then the limit is $4,600.
However, if your spouse owns the HSA, the limit is zero. because of the Medicare. Yes, this means that if your spouse owns the HSA, you should immediately open your own HSA.
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