Does in allow mfs when Federal mfj?

Yes, when filing jointly as married filing jointly (MFJ) on your federal tax return, you can still contribute to a Health Savings Account (HSA) if you meet the eligibility criteria. However, the contribution limits for HSAs are higher for MFJ filers compared to single filers. It's important to ensure that both spouses are covered by a high-deductible health plan (HDHP) to maximize contributions. Always consult the latest IRS guidelines or a tax professional for specific advice.