Subject: Re: Opened HSA 2026
Family coverage (5 of us). Both parents are over 55. So, $8750 for family, catch-up for me $1000, catch-up for spouse $1000 in a separate account.

Can we split it to $5375 in each account? Or does one have to be $9750, the other $1000?

Answering my own question: Has to be two accounts, can split the money however we want as long as the catch-up amounts are separate. We opened two accounts at Fidelity, put $5375 in each.