For 2023, Wife and I have separate HSAs, 1 for me and 1 for her. My HSA is with my family medical plan so I contributed $7733 to it, wife's HSA is with her individual medical plan so she contributed $3850 to it. We file jointly, so we over contributed by $3833. pretty clear.
Now's the confusing part: both our HSAs are managed by fidelity, and to get excess contribution back, I have to file a ROE form with them (so they can calculate any gain/loss along with the contribution). That form asks for the "first date of over contribution". Both our HSA plans have contributions bi-weekly from payroll deduction, so we as a family went over the contribution limit somewhere between August/September.
The question is: do we need to file 2 separate ROE forms to fidelity, each claiming portions of overcontribution? or I can file one ROE form and claim the whole overcontribution amount?
