1) Yes we both had an HSA in 2019 and 2020.
2) We both were covered by a HDHP in 2019. I reported that I was covered all 12 months of 2019 by a self only plan. I reported that my wife was covered by a self only plan for 7 months and then by a family plan for the last 5 months. I reported it this way when going through the interview in TT because our first child was born in August of 2019.
3) Yes we both had an HSA for all of 2020.
4,5,6) I have not even started filling out 2020 yet. All I have done is install TT 2020 on my desktop, opened the program, installed updates and transferred tax file from TT2019. As soon as I transferred the TT2019 file it brought up a screen showing my personal info that was transferred from 2019 and the Federal Tax Due box at the top of the screen showed $204. I had not begun entering any information yet and that is what prompted me to switch to the form view to see how I could owe any tax when I had not even entered any tax documents yet. In form view I found form 8889 with the Part III Line 18 smart worksheet already filled out showing self only coverage for January-July 2019 and Family for August-December. Section C of smart worksheet line 1 is $4,958. Line 2 is $3,500 and Line 3 is $1,458. Then it shows Line 18 $2,042. Line 20 $2,042 and Line 21 $204.
I was covered all year 2019 by a HDHP as self only and my total contribution was $2,310.
My wife was covered all year 2019 by a HDHP as 7 months of self only and 5 months as family and her total contribution was $3,500.
Although I have not started entering my 2020 information yet I was covered all year 2020 by a HDHP and my total contribution was $3,360.
Although I have not started entering my 2020 information yet my wife was covered all year 2020 by a HDHP and her total contribution was $4,800.
TMCJ
