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Little-Known Loophole Allows Some Families to Save Beyond the Max in HSAs
Financial Finesse Link to more items from this source
Sept. 25, 2018
"If you and your spouse share a single family HSA and you both are 55+, only one of you can make the $1,000 catch-up contribution to the HSA. The workaround is easy, though. One of you opens a second HSA to which you contribute your $1,000 catch-up contribution.... If you have an adult child still covered by your medical plan (under age 26, per the [ACA]), the opportunity to stash some tax-free cash is even greater."

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