Short answer: Yes. If both spouses are HSA-eligible and have family coverage, they can both contribute, but their combined contributions cannot exceed the annual family limit, and each spouse must have their own HSA to make catch-up contributions.
If you are covered under a family HSA-qualified high-deductible health plan and both spouses are HSA-eligible, the IRS allows contributions up to the family HSA limit for the year.
For 2026, the family HSA contribution limit is $8,750. This is a combined limit for both spouses, regardless of how the contributions are split.
If only one spouse has an HSA, the entire family contribution may be made to that one account. If both spouses have HSAs, the contributions can be divided between the two accounts in any proportion, as long as the total does not exceed the family limit.
If one or both spouses are age 55 or older, each eligible spouse may also make a $1,000 catch-up contribution. Catch-up contributions must be made to each spouse’s own HSA and cannot be combined into a single account.
Even with family coverage, HSAs are always individual accounts. Contribution limits apply at the household level, but ownership and catch-up rules apply at the individual level.
Sources
- IRS, FAQs on Health Savings Accounts – Family Coverage and Contributions: https://www.irs.gov/faqs/health-savings-accounts-hsas
- IRS, Publication 969 – Health Savings Accounts: https://www.irs.gov/forms-pubs/about-publication-969
Content history
Originally published: March 27, 2025
Last reviewed: January 26, 2026