My wife and I deciding if we should keep individual HDHP with individual HSA's or be on the same HDHP and have one family HSA account.
The insurance plan basically doubles the deductible and out-of-pocket expenses of our individual single rates (i.e it combines them).
Is it better to keep individual accounts? The benefits I saw for individual accounts was the age 55 catch-up where we both could have the extra $1,000 contribution, and that employers can contribute to our accounts under a single HSA but not a combined account. This would seem to be the best reasons to stay on single HSA's. The one con would appear to be that we cannot use our own HSA accounts to pay for our spouse's expenses as they are not family plans. Is this true? Although not the main ask of this question, how would two single individuals go about unifying their HSA's if they wanted to?
Are there other pros or cons that I may want to consider in deciding individual or family HSA?