HSA logistics for common law marriage


#1

Hello,

Couple in common law marriage only. Filing taxes as single since US government does not recognize common law marriage. Both working spouses. 1 spouse has insurance for he both of them and the plan is HSA compliant. Other spouse has higher income and in a much higher tax bracket. What is the best way to set up an HSA plan?Can each spouse contribute to their own separate HSA or must they use the lower spouses income and plan?Can they use the higher spouses income as the deduction?

Please help

I didn’t find the right solution from the internet.

References:
https://www.bogleheads.org/forum/viewtopic.php?t=248864
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Thanks