According to the open enrollment table in my HR guide, the 2019 HSA limits are:
EE Only $3,500 EE + Spouse or EE + Child(ren) $7,000
My spouse has her own HDHP insurance through her employer and we are married filing jointly. I insure myself and my child through my employer. Does the $7000 limit count towards the family as a whole, regardless of how they're insured?
In other words, can my spouse contribute the $3500, while I contribute $7000, or are we limited as a family to the $7000?