HSAs are individual accounts. You can't make them ''joint''. The associated High Deductible Health Plan (HDHP) can cover the entire family, but the HSA belongs to only 1 taxpayer.
In the case of married individuals, each spouse who is an eligible individual who wants to have an HSA must open a separate HSA. Married couples cannot have a joint HSA, even if they are covered by the same HDHP; however, distributions can be used to cover the qualified expenses of the other spouse. You, your spouse, or anyone else can make contributions to your HSA, up to a certain amount each year.
