You stated there is capital gains. The loss MUST be netted against that gain. You don't have the option to report the capital gain and hold the loss over to another year. Nor do you have the option of reporting the $6000 capital gain and using the loss to reduce the ordinary income from $48,000 to $46,000.
I suspect there is a spouse with income involved since you stated it's a family plan but you are not working.
The max amount is dependent on your age and your spouse's age....it's $7100 for a family but each of you (if there are separate HSAs) can add $1000 to each HSA if each of you are older than 55.
You appear to be really focused on the capital gain as thinking it somehow limits the contribution, but it doesn't.
Can I make a suggestion? Using either TT 2019 or TT2020 (download version), just drop your numbers into the program and see what results. 2019 is going to be close (tax will be a little higher) as none of the rules involved here changed from 2019 to 2020.
