I have a test return that shows to the dollar what you describe - except it doesn't double the excess when I pick the spouse as the person with the excess. There is still something different about your return.
OK, let's start over.
xxxxxxxxxxxxxx You xxx Spouse
W-2 code W 7,198 3,518
inherit HSA? No No
direct conts 0 0 - direct contributions not through the W-2
Employer other conts? No No
Medicare? No No
HDHP Yes Yes
Type of HDHP different types Self-only all year
(HDHP) Family Self-only
months 2/22 to 12/22 1/22 to 12/22
Who made the excess of 3,517?
you
spouse
both
Did you Overfund your HSA in 2021? (it doesn't ask which who)...
No
You may want to withdraw money from your HSAs - and it's always 3,517...
OK, write this down and walk through your return and let me know what is different in your interview.
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