Thank you for replying! I was so excited to get your detailed analysis. Here are my answers to your questions for more info, and hopefully you can help me nail this down.
1. When I withdrew the excess contribution in late January, I told the HSA custodian it was for excess contribution, and it is marked appropriately as such on my HSA detailed transaction statement. So they know it was not for qualified medical expenses.
2. You are correct, I contributed $7,814 between both my wife's and my HSA accounts.
3. My HSA contribution in 2018 was $5,364, so below the HSA contribution limit for 2018.
4. Per 3. above, I did not overfund my HSA in 2018.
5. I did tell them it was for excess contribution, and they marked it as such.
One interesting aspect of that $488 that Turbotax told me I need to allocate. My wife's contributions to her HSA this year were exactly $488; perhaps a coincidence, or perhaps relevant to your analysis.
Thanks again!
