Can you contribute to an HSA?
Yes, as long as you have no disqualifying coverage.
Can your spouse contribute to an HSA?
Yes, as long as they have no disqualifying coverage.
Disqualifying coverage is anything that is not a qualifying HDHP. This includes other types of health insurance or other health care reimbursement arrangements like an HRA or FSA. If your spouse has primary insurance at her job and is also a secondary insured on your policy, they can still contribute to an HSA as long as both insurance polices are HSA-eligible.
Your overall family maximum contribution is $7050. You can split that between you any way you like but don't go over that total (and that includes employer contributions).
Once you have money in an HSA, you can spend it on qualified medical care for yourself, your spouse, and your dependents. The rules for taking money out of an HSA are separate from the rules for making contributions.
