I don't know, but I'm guessing your HR person is right, because I think it's based on the plan. So if you're foregoing family coverage, they're two separate individual plans, so two separate limits. That said, if one of you gets a family plan, I think you wouldn't be able to contribute to both HSAs.

But I'm not a tax expert. The difference is $50, so if you're wrong, the penalty would be pretty small.