How is a contribution limit determined for each spouse if one or both spouses have an HDHP with family coverage?

If both spouses are eligible individuals, the total contribution limit for both spouses cannot exceed the family coverage maximum contribution, divided equally between the spouses unless they agree upon a different division. Regardless of how the limit is divided between the spouses, the aggregate contributions between the two spouses cannot exceed the maximum annual contribution amount for family coverage, (i.e., $7,200 for 2021).

EXAMPLE: Leah and Jon are married. They are both 42 years old and both have family coverage under HDHPs. In this scenario, Leah and Jon in aggregate cannot exceed a contribution of $7,200 for 2021. Each may contribute $3,600 to an HSA for 2021.

Catch-up contributions: One or both spouses may make catch-up contributions, if age eligible. For example, if both spouses are age 55 or older by the end of 2021, total contributions to their HSAs cannot exceed $9,200 ($7,200 maximum limit + $1000 catch-up for each spouse), when both have family coverage.

Archer MSA contributions: The family coverage limit is reduced by any contributions to Archer MSAs.