Can a Spouse Use the Other Spouse's HSA?

When it comes to Health Savings Accounts (HSAs), one common question that arises is whether a spouse can use the other spouse's HSA. The answer to this question is yes, but there are certain circumstances and rules to keep in mind.

Here are some key points to consider:

• Spousal HSA Contribution: If you have a family HSA, either spouse can use the funds for qualified medical expenses for themselves, their spouse, or dependents.
• Ownership: The HSA belongs to the individual who opened the account, so their spouse can access the funds but cannot contribute to it directly.
• Legal Dependents: Both spouses can use the HSA to pay for the qualified medical expenses of their dependents, such as children.
• Eligibility: To use the HSA, the spouses must be married and file taxes jointly.

Overall, an HSA can provide a valuable way for both spouses to cover medical expenses. By understanding the rules and guidelines, couples can maximize the benefits of these accounts for their healthcare needs.




Yes, a spouse can use the other spouse's Health Savings Account (HSA), which can be a great way to manage medical costs as a family. However, it’s essential to remember that the HSA is technically owned by the individual who created it, even though the funds can be used for both spouses.