I don't know why (Why does turbo-tax think that I had excess contributions from 2021?). Obviously, this is a situation that we see a lot (the HSA excess contribution) but I don't see why TurboTax is reporting that the secondary taxpayer has an excess of $7,036 in the dialogue.
So let's do this...when you have finished your data entry in TurboTax, (whether you marked that the primary taxpayer or the secondary taxpayer had the excess) check to see if you have a form 5329 (either -T or -S) and if you do, check Part VII (lines 42 to 49) and see if there are any numbers here. If there are none, check line 8 on Schedule 2 to make sure it is still zero.
If so, then you don't have the 6% excise tax ("penalty") on the excess.
However, I cannot get the 8889-S to have the $3,528 on the line 12B Smart Worksheet without the same number making a spurious appearance on Line 2B on the 8889-T.
Well, rather than make you wait, if you are otherwise ready to file, then what I would do is print a copy of your return, and mark 12B on the 8889-T as zero.
I do not know what the IRS will get (e-filed returns are in XML format, not PDF, so are created differently), so the IRS may never notice the difference). If, however, the IRS writes you a letter about this, just send them a copy of the 8889-T that you marked up with the explanation that this is the workaround for an issue with your tax software - you withdrew only $3,518 and it was from your spouse's HSA - nothing was withdrawn from your HSA.
Save all this discussion and your marked up 8889-T in your tax archive in case anyone ever asks.
In the meantime, I will hang on to your sanitized tax return to see if I can identify the issue.
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