text: can a couple have two hsa accounts, each maxing out the contribution limit? is it possible for a man and his spouse open two separate hsa accounts and contribute the maximum to each account for health expenses?  and do we file jointly or separately the answer has less to do with how you file than your insurance coverage.  i believe the limits would be the same, whether you open one account or two, presuming that you are covered by a high deductible health plan.  check out www.hsaresourcecenter.com for more, and talk to your tax professional, or your benefits department.