HSAs are individual accounts—even if you have family coverage, you and your spouse cannot share the same HSA. Each person who is HSA-eligible must open their own account to contribute.
That said, you can use your HSA funds to pay for your spouse’s qualified medical expenses, even if they aren’t covered under your health plan, as long as they qualify under IRS rules (e.g., they aren’t someone else’s tax dependent).
💡 Example:
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You have family HDHP coverage and contribute the full family limit to your HSA.
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Your spouse has their own HSA-compatible plan and is also eligible.
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You can each contribute to your own HSAs—but the combined contribution cannot exceed the family limit, unless your spouse is 55+ and making a catch-up contribution to their own account.
🧠 Key Tip:
You can spend your HSA on qualified expenses for your spouse and tax dependents, but when it comes to contributing, HSAs are always individual.