qbteachmt
Level 15

You're asking about HDHP mixed coverage, so you need to know the rules.

"In this situation, the spouse with self-only coverage is limited to the self-only HSA contribution amount, and the spouse with family coverage can contribute up to the family limit. But while the total between spouses cannot exceed the family limit, the spouse with the family plan can make up for any contribution shortfall of the spouse with self-only coverage."

It also matters what ages they are. Remember that accounts are per the individual owner.

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