How does a spouse's health coverage impact contribution limits?

If an individual has an HSA, but their spouse has separate health coverage, the following special married couple rules may apply: If the spouse has non-qualifying family coverage that includes the individual, it makes them an "ineligible individual", and they may not contribute to an HSA. If the spouse has an individual HSA-qualifying plan, the individual would have to subtract their spouse's contribution from the maximum that they could otherwise contribute. If the spouse has coverage other than an HSA-qualifying plan and the individual is not covered under that plan, there is no effect on the individual or his or her ability to contribute to their HSA.