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No, Health Savings Accounts (HSAs) are individual accounts.
Based on your description, I am assuming that you are both covered by your High Deductible Health Plan (HDHP) provided through your work. If you are both covered under the same plan, it is considered a “family” plan. Even with a family plan, the HSA associated with that plan would only be in your name, not a joint account. That means that you are the only one who has an HSA. This is true even though your spouse has a card to use and can spend the funds in the account.
In order for your spouse to have her own HSA, she would need to be covered on a separate HDHP through her work or another source.
No, Health Savings Accounts (HSAs) are individual accounts.
Based on your description, I am assuming that you are both covered by your High Deductible Health Plan (HDHP) provided through your work. If you are both covered under the same plan, it is considered a “family” plan. Even with a family plan, the HSA associated with that plan would only be in your name, not a joint account. That means that you are the only one who has an HSA. This is true even though your spouse has a card to use and can spend the funds in the account.
In order for your spouse to have her own HSA, she would need to be covered on a separate HDHP through her work or another source.
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