I currently have two 529 plans set up with Fidelity/ New Hampshire Plan--one for each of my children. I have been contributing 10,000 per year per child to stay within the gift tax exclusion limit. However, it has come to my attention, that I may be able to contribute up to 20,000 per year per child because I file my taxes jointly with my husband. Is that correct even though the 529 accounts are in my name only? If I keep the Fidelity account contribution at 10,000 per year per child, can I open two new 529 plan accounts (again in my name only) in the TIAA-CFEF/New York Plan and contribute 10,000 per year per child and still be within the gift tax exclusion limit?