I am 46, my spouse is 55. I carry our HDHP through work and we will max the family limit on our contributions to our HSA this year. Since I hold the account, it's my understanding that to make a catch-up contribution for my spouse he would have to open his own account to make catch up contributions. (My employer pays all the fees on my account.)
I will check with my current fiduciary first (Bank of America) and see if they have any deals in this situation. But otherwise, what are some good (cheap) options for setting one up on your own?
Thanks.