I did some additional research and found this article written. It states that The maximum annual HSA contribution limit for a married couple if one spouse has family HDHP coverage and the other spouse has self-only HDHP coverage is the limit for family coverage. If the family maximum contribution coverage is $7300, any additional contribution is considered an excess contribution. This also is confirmed in IRS Publication 969 if either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage subject to the maximum contribution limit.
To give you a further insight, since both of you are treated as one on the family plan, these means in reality that each of you have contributed $3650 to the family plan thus reached your limit for individual contributions. Any additional contribution to any HSA plan is considered excessive at this point.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
