@TurboTaxBillMc For spouses who both have self HDHP coverage (and never family HDHP coverage), Form 8889 (each spouse is required to complete Form 8889) instruction tells each spouse to determine the limit (line 3) independently. The result is $3400 contribution to each spouse's HSA and if a spouse is age 55 or more, that spouse is allowed an additional $1000 contribution to their HSA.
So, if both spouses are at least age 55 and are covered by self HDHPs, the total amount in each HSA will be $4400 or $8800 in total.
