We are a married couple, filing jointly for the year 2017. My wife has a self-only HDHP health insurance plan through work, with no contributions from employer. I have a low-deductible, self-only health insurance plan through my university (graduate student). My wife contributed the limit for an individual which is $3400 for 2017. We were told at a local tax seminar that her company's benefits provider conducts during tax season that we can contribute the $6750 amount for family coverage given the details of our situation.
I am a little confused regarding this since both our insurance plans are self-only and do not cover each other, but the person there told us since we are married, the tax law allows us to do this (I couldn't find a specific reference in the tax code which confirms or denys this). Are there a set of questions in the turbotax HSA that would resolve this question? Or should I need to speak to an outside tax consultant.
In our case, we would like to make the whole $6750 contribution this year if we can, but we don't to do it if we would incur the penalty for excess contributions.
