@confusedHSA41
Thanks!
So what I see is
- You were Self-only January - June, and you converted to Family HDHP coverage July through December.
- Your spouse was Self-only January - June and converted to Family HDHP coverage for July to December.
Seem weird? This is because the moment either spouse has Family coverage, then both spouses are considered to have Family coverage. So when your spouse started July 1st with Family coverage, then you, too, were considered to have Family coverage, not withstanding the fact that you had a separate HDHP Self-only policy.
This is done because the two of you share the $7,000 annual HSA contribution limit for Family coverage.
OK, now that I have the specifics, let me reproduce the numbers. I have something else I need to dispose of and then I'll get back to you.
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