For those in this demographic (and HSA-eligible under a family plan), note that the 2015 maximum contribution is $6,650 (family) + $1,000 catch-up
for each spouse = $8,650.
Appears this may not be well known, including by HSA customer reps. E.g., see
http://www.bogleheads.org/forum/viewtopic.php?t=75002. We had a similar experience, in which the person on the phone said "no, only one catch-up is allowed - at least, that is how I was trained." The ironic part is that it was a letter from the HSA custodian that alerted us to the "extra" catch-up allowance in the first place.
You do have to create a separate HSA for each spouse. You can then fund them in any distribution between $7,650/$1,000 and $1,000/$7,650. It will also require two form 8889s (one for each spouse) come tax time, but the extra $1K tax-advantaged seems to make that effort worthwhile.
