How can you make a HSA account from a family to a joint account with two contributors?

[DawnC0 · Accepted solution]

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.  

[dmertz]

Also note that anyone can contribute to an individual's HSA on behalf of that individual.  In this case, one of you is the HSA owner and the other is making contributions on behalf of the owner, but all contributions are contributions *of* the HSA owner.