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Understanding your HSA
How do I contribute to my HSA?
Can my spouse and I have a joint HSA, like a checking account?
Can my spouse and I have a joint HSA, like a checking account?

joint HSA with spouse or partner

Updated over a week ago

No, only one person can be named the account owner. If both you and your spouse have qualified HDHP coverage, you must each have your own account.

If both you and your spouse have family coverage under qualified high-deductible health plans, the maximum total tax-deductible HSA contribution both of you can make (including employer contributions) is the IRS limit for family coverage. In 2021, that amount is $7,200. This contribution can be divided between you and your spouse however you wish. If you and/or your spouse are eligible to make catch-up contributions, you may each contribute your eligible catch-up contribution to your individual HSA.

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