If a married couple is enrolled on a family HDHP, can they open a joint HSA?
No. HSAs are all individual accounts. A husband and wife enrolled on a family HDHP can do the following: • Open individual HSAs and contribute to both, but the collective total of both must not exceed the family contribution maximum. • Open an HSA in one spouse’s name and contribute up to the family maximum. • Even though HSAs are individual accounts, the funds in the HSA can be used for any family member’s eligible medical expenses.
