How spouses divide the family HSA limit
Apply the shared family base limit, separate catch-up contributions, and employer deposits without double counting.
Direct answer
Married spouses with family HDHP coverage share one family HSA base limit, generally split equally unless they agree otherwise. Each age-55 catch-up contribution must be made to that spouse's own HSA.
Married spouses with family HDHP coverage share one family HSA base limit, generally split equally unless they agree otherwise. Each age-55 catch-up contribution must be made to that spouse's own HSA.
Family coverage does not double the limit
Two HSAs do not create two family limits. Contributions by either spouse count toward the shared base amount, including employer deposits. The spouses may agree to a different allocation of the base limit.
Catch-up contributions are individual
If both spouses are at least 55 and otherwise eligible, the household may have two $1,000 catch-ups, but the second catch-up must be deposited into the second spouse's HSA. One account cannot receive both catch-ups.
Mixed coverage and partial years
Divorce, Medicare enrollment, a coverage change, or midyear HSA eligibility can change each spouse's available amount. Calculate each person separately, then reconcile the shared family base limit.