<prompt> Human: Ive just started learning about Health Saving Accounts and the tax savings. My situation is that my wife has her own plan HMO and I have a HDHP. Im wondering if I start contributing to the HSP, am I limited to the 3,350 or can I contribute up to 6,750 limit for our family? From, what Ive read, it seems like we both have to be on HDHP? If so, Im not sure I will be able to convince her to go on an HDHP as she would rather just have peace of mine that she can go to the doctor for any little thing without big expenses or second guessing if she really needs to go.  <response>: There are complicated rules about what the maximum is that you can contribute to your HSA, but if you have HDHP and individual coverage while spouse has non-HDHP individual coverage, then your contribution limit is the individual limit.However, the good news is that you can use the money in your HSA to pay for qualified medical expenses for you and your spouse, even if she doesnt have an HSA and even if she isnt on your HDHP. 