wow incredible amount of useful info. thank you so kindly. may i please ask, so right now i am married filing jointly with my wife. i get health insurance coverage from my employer and my wife is on my health insurance plan. my wife also works but we don't use her employer's health plan. my wife is also above 65 and thus has medicare part a and b as a secondary insurance. but my wife has never needed to use her medicare part a and b for any medical treatments or appointments. we always use our primary health insurance from my employer. am i still allowed to open an hsa account even though my wife has medicare part a and b as a secondary. (note: i am not 65 and do not have medicare of any kind). also if i am allowed to open an hsa account, despite my wife's secondary medicare part a and b, will my wife be allowed to use the hsa account to pay for her medical expenses? or will i only be allowed? also, since we are both on my health insurance, and if opening an hsa is indeed allowable for me, should there be two hsa accounts open, one under my name and one under my wife's name, or does one account cover all of the participants of the plan? thank you again so much, really appreciate all the advice and help.
