You should answer that each of you has family coverage.
There is a special rule for a married couple who both have coverage in a High Deductible Health Plan (HDHP). If one of you has family coverage, then your spouse is also treated as having family coverage for the purpose of determining your contribution limit.
For more information see the following from TurboTax help content:
Taxpayers With Multiple Plans
Individual Policy and Family Policy
If either spouse has family coverage, both spouses are treated as having family coverage. You must change your coverage designation to "family" for both spouses. You should adjust your entries so that the person with self only coverage enters family coverage. Since you are both covered by HDHPs (High Deductible Health Plans) and are married, you are both considered as having family coverage for this form, even though one of you has self only coverage. The contribution limit is split equally between the spouses unless you agree on a different division.
For 2019, the maximum contribution to an HSA is $3,500 for an individual plan or $7,000 for a family plan. This is the combined contribution from both you and your employer.
If you're 55 or older, you're allowed to contribute up to $1,000 more for a maximum of $4,500 (individual) or $8,000 (family).
There are penalties if you have an excess contribution to your HSA, unless withdrawn before filing your tax return. Also, additional tax would be owed if your distribution was used for something other than medical expenses.
IRS PUB. 969 Health Savings Accounts and Other Tax-Favored Health Plans
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
