Question
TurboTax shows a $4,300 excess HSA contribution. We have two separate HDHPs and HSAs (self-only +family). It seems to apply the $8,550 household limit. How do I fix this?
Hello, I’m having trouble with the HSA contribution calculation in TurboTax for a married filing jointly return.
My wife and I each have separate HDHP insurance plans and separate HSAs:
* I have **self-only HDHP coverage** for the entire year.
* My wife has **family HDHP coverage covering herself and our children only (I am not covered under her plan)**.
Based on IRS rules, our contribution limits should be:
* $4,300 for me (self-only)
* $8,550 for my wife (family)
However, TurboTax is calculating a **$4,300 excess HSA contribution**, which suggests the software is applying the **$8,550 household family limit instead of separate limits**.
I already tried:
* Deleting Form 8889-T and 8889-S
* Re-entering the HSA information
* Confirming that my coverage is self-only and my wife’s is family coverage for all 12 months
The issue persists.
Could you please help me understand:
1. Whether TurboTax supports this scenario (two separate HDHP policies with separate HSA limits), and
2. How to correct the HSA contribution calculation so it reflects the correct IRS limits?
Thank you.
