Q: May a husband and wife have a joint HSA?

By December 2, 2009November 18th, 2015Frequently Asked Questions

A:  No.  HSAs are individual accounts.  Each spouse who is an eligible individual and wants to make contributions to an HSA must open a separate HSA.  In cases where catch-up contributions are involved, only the individual that meets the age requirements can contribute this amount. 

For example, a husband and wife are covered under an HDHP and only one HSA is opened with the husband as the account owner.  If the wife qualifies for the catch-up contribution, her catch-up contribution cannot be placed into the husband’s account. The wife would have to open an HSA to make her catch-up contribution.