No, there is not a bug in TurboTax for HSA contributions or a different calculation. You are correct that for a married couple where one spouse has a family plan and the other has an individual plan, that the $7,300 limit applies. There are two reasons why you may not be eligible to contribute the full amount:
- The limits are prorated based on the number of months that you were covered by a High Deductible Health Plan (HDHP) and had no additional coverage.
- If you were only covered for a portion of the year, your limit may be lower.
If these reasons do not apply, please review the HSA entry screens to check for errors that may be the result of your excess contribution. Please follow the instructions below to review your entries in:
- Launch TurboTax and select Search at the top by the magnifying glass
- Search for hsa and select the Jump to hsa
- Answer the questions until you get to the Let's enter your HSA contributions screen
- Verify that you didn't enter the amount already listed (from box 12 of your W-2 by the Code W)
- Continue through the HSA screens, make sure you answer all questions correctly
- If you made excess contributions to your HSA last year but withdrew the excess by the due date of your 2021 return, answer No to Did you overfund your HSA in 2021?
For more information, please refer to the TurboTax Help article Why am I showing an excess HSA contribution?
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