@kenc295
an HSA is an individually owned account. If you want to contribute money to both spouses, then both spouses need accounts. Note that this will increase your eligibility slightly if you are both over age 55.
The overall family limit for you and your spouse if you are covered by a family HSA is $7200 for 2021, or $7100 for 2020. There is a $1000 per year catch up provision for each person who is age 55 or older. The $7100 or $7200 family limit can be split between HSA‘s in any way that you want, but the $1000 catch-up provision can only be contributed to the persons specific account.
So if you and your spouse are both age 55 or older, your real maximum is $9100 for 2020 or $9200 for 2021. You can still make retroactive contributions for 2020 if you open an HSA and make the contribution before May 17. Remember that the $1000 catch-up provision is individualized, so if you have two accounts and you’re both age 55 or older, you can contribute $1000 to one account and $8100 to the other account, or $4550 to each account, but you can’t contribute $9100 to a single account.
