between the two HSA accounts the maximum is $7300 split any way you want. if either or both are over 55 they can contribute an extra $1K to their HSA. put another way you can not contribute $7300 to a family plan HSA and $3650 to a self-only HSA in the same year. that exceeds the maximum allowed of $7300 for a family. you have 2 days to withdraw the excess or pay a potential penalty. since it seems your w-2 wages box 1 were reduced a total of $10,950 you will see an add-back of $3650 to taxable income schedule 1 line 8f
