In 2023 TurboTax, when I specify that you had family HDHP coverage for 5 months followed by Medicare for 7 months and your wife had family HDHP coverage for 5 months followed by 7 months of self-only HDHP coverage, both over age 55, TurboTax indicates no excess contribution when I enter $3,646 as your contribution and $3,246 as your wife's personal contribution. Increasing either amount by $1 results in an excess contribution.
