Yes, with a caveat. u2018Employee plus oneu2022 is the term for coverage for the employee and a spouse, which is the definition of a family for the purposes of determining your maximum HSA contributions. However, this assumes that you are legally married; if you are not married but both covered (and there is no other health coverage available to u201cplus oneu201d) then both the employee and the plus one are able to contribute to separate HSAs to the single limit.Actually, a covered adult u201cchildu201d can pull off a similar trick, for the few years that they are still covered solely by a parentu2019s High Deductible Insurance plan; they can open their own HSA and contribute to the single limit. (some argue that the young adult can contribute to the family limit, due to a quirk in the wording concerning HSAs in Obamacare, but I wouldnu2019t try it myself)