You can use an HSA to pay for qualified medical expenses for yourself, a spouse, and your dependents, even if they are covered by other insurance.
Your contribution limit depends on the kind of insurance you have. If you have single insurance and your spouse has single insurance, then your limit for 2017 is $3400, plus an additional $1000 if you are over age 55. However, if your spouse has family insurance where you have secondary coverage, then you have "other insurance" and can't make deductible contributions to an HSA. If you have family HDHP insurance that covers your spouse, and your spouse also has single non-qualifying insurance, then your contribution limit to your HSA is $6750.
