Yes—but with a few important rules.
If you’re covered under a family high-deductible health plan (HDHP) and both spouses are HSA-eligible, you can contribute up to the family maximum, but you’ll need separate accounts to contribute as individuals.
💸 Contribution Rules for Couples:
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The combined total for both spouses can’t exceed the family limit ($8,550 in 2025)
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If only one spouse has an HSA, all contributions can go to that account
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If both spouses are 55+, each can make a $1,000 catch-up contribution, but those must go into separate accounts
Example: You and your spouse are both HSA-eligible and age 55+. You could contribute up to $9,550 to your HSA and $1,000 to your spouse’s HSA—but not $10,550 into one account.
🧠 Tip:
Even with family coverage, HSAs are individual accounts. Catch-up contributions are always made to each person’s own HSA.