another possibility is that if all the HSA contributions were on your W-2's you enter nothing as personal contributions. nothing should appear on line 2 of your forms 8889. You need to complete two of those forms one for you one for your spouse. you indicate on both covered by family plan. you can leave the excess in. pay the 6% penalty and then may sure that in 2020 your combined HSA contributions reported on your w-2's doesn't exceed $6,942. the $58 excess from 2019 becomes a tax deduction bring you to the $7,000 max.
