Facts: My husband I I were covered under my employer's high-deductible plan through February 2024, the point in which I retired from that position. At that time, we switched to my husband's insurance and were covered by a high-deductible plan for March - December 2024 provided by his employer. My 2024 W-2 (for earnings through February 2024) reflects employer contributions of $4,000 to my HSA (Box 12C - Code W). My husband's 2024 W-2 reflects $3,725 for contributions to his HSA contributions under the high-deductible family plan that we were covered under for March - December 2024.
Since we were covered for the entire year under a high-deductible plan (albeit two different plans provided coverage for the entire 12-month period), is our HSA limit based on our total contributions? Meaning, if the HSA limit for was $8,300 for a family, I don't believe we had excess contributions (jointly) was $7,725 and our family was covered under a high-deductible plan for all of the 2025 tax year.
Is this correct and, specifically with regard to TurboTax inputs, should I be selecting "Family Plan Coverage" for all twelve months of 2024 under both of our names?
