@Mike9241
Interesting. Thank you for the response. If that is the case; when entering my W-2 information, why would TurboTax ask "Did any of your HSA contributions go into SPOUSE's account?" It then allows me to specify how much of the contributions went to my spouse's account.
Everything I read suggests, "The contribution limit is divided between the
spouses by agreement. (IRS Notice 2008-59)" The only reason I can find to make separate accounts is for catch up contributions. "An individual who is eligible to make catch-up contributions may only make such contributions to his or her own HSA. If both spouses are eligible for the catch-up contribution, each spouse must make catch up contributions to his or her own HSA. (IRS Notice 2008-59)"
