Me again! THANK YOU to all who replied. I confirmed with his HSA company that I can have my own HSA for the $1000 (over 55) contribution. I will be checking with my bank to see if they offer this as that HSA company has a monthly service charge until the balance reaches $3000. His employer pays his monthly service charges.
I also found this on the IRS website for 2021 Pub 969 :
"If both spouses are 55 or older and not enrolled in Medicare, each spouse’s contribution limit is increased by the additional contribution. If both spouses meet the age requirement, the total contributions under family coverage can’t be more than $9,200. Each spouse must make the additional contribution to his or her own HSA." For 2022 that will increase to $9,300.
Again, THANK YOU!
