If a husband and wife are covered under a family high deductible health plan, they can open one or two Health Savings Accounts.
If they open one, they can contribute the full $7,000 family maximum for 2019. The account is in just one person’s name (there are no joint accounts), and the account holder does not have to be primary on the insurance. The account holder can use his/her HSA funds on the qualified expenses for all family members, whether or not they are covered under the HSA-qualified plan.
The $1,000 catch-up contribution can only be made to an account in the name of the person who is age 55+.