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Because both spouses are treated as having family coverage when both are HSA eligible and at least one has family HDHP coverage, the spouses' combined contributions are subject to the family contribution limit.
the tax rules say if you had family coverage your spouse has family coverage so that's what you select.
Because both spouses are treated as having family coverage when both are HSA eligible and at least one has family HDHP coverage, the spouses' combined contributions are subject to the family contribution limit.
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