H.S.A. question....

[mila]

My H and I have always had employee-only benefits coverage through our own employers (and each have our own HSA accounts).
For next year, however, I believe he will be coming onto my employer's benefits (as "EE + Spouse"), and we will be joining my company's HDHP.

1. Can we still keep our individual HSAs?
2. I'd like to make the max distribution next year, which I believe for a family plan is $7k. Can we place $3,500 into each of our individual HSA accounts?

[minionkevin]

Yes.
Yes.

[sometimesrunner]

1. Yes, you can. These type of accounts are similar to retirement accounts where they only have one owner.
2. You can, but for simplicity’s sake, you could also spend down his account down to zero, and put all contributions in your account if you foresee maintaining the benefits going forward. You can use your funds for him and vice-versa.