Can the $7k HSA limit be for myself + kids, or does it have to be myself + SO + kids?

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$7k limit is for the family. If you have you+kids on a plan, it qualifies as family. However, it doesn't mean that your spouse can then have an individual HSA, and contribute another 3550.

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Nothing to add. For precision, limit is $7,200 yes i know, what's $200 between friends.

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