<prompt> Human: If me and my wife both work for the same employer, and we go into one of the HDHPs that they offer under family coverage, can we both open up separate HSAs of which we can take payroll deductions for?  <response>: You can open up a hundred HSAs under your name andor your wifes name, but there is a limit to how much money youre allowed to contribute TOTAL per year to the combination of all of you and your wifes HSA accounts.For 2014 the limit is 3,300 for a single person and 6,550 for a family. If youre married to your wife than the family limit applies to you.So to answer your question, there is no benefit to opening a second HSA unless your company puts free money in there. Your company may also not allow two married employees to each have a company sponsored HSA, I know mine doesnt.Source: 