I am currently an attending physician working as an independent contractor. Prior to this job, I was a resident with a W2 salary and contributed to my HSA every year (family contribution). Currently, my account has ~20k in it. However, now that I am an independent contractor, we get our family insurance through my wife who works part time. We are on a HDHP although her employer does not do any payroll deductions so we are able to invest whenever and with whomever we choose. My question is if we are able to contribute the max HSA amount to MY existing HSA since there is already so much in there rather than have to open a new one under my wife’s name just because our family insurance is through her. I don’t see why it would be a problem since our taxes are Married Filing Jointly, but then again, I have not read the full IRS publication on HSA’s so would appreciate the input.