I'm a few years late to this particular thread. As I understand the replies, a non-working spouse can have her own HSA while qualifying through husband's HDHP and must share the maximum contribution limit but both can contribute an additional $1000 if over age 55.
Will the tax benefit be affected by only half being contributed by the husband through payroll deduction or will it all come out in the wash at the time of filing a tax return?
