Per IRS guidelines, HSAs are individual accounts that cannot be combined between spouses. Accounts stay in the name of the individual that originally opened the account. For example, if Joan opened an HSA with CHASE but later wanted to transfer it to her husband Bill’s WEX Inc. HSA, she would not be able to roll her funds into Bill’s account. Joan’s HSA is in her name, and Bill’s HSA is in his name. They may not be combined to consolidate accounts between spouses.