My husband's 8889 is the 8889-T. On the 2020 8889-T, line 2 is $0.00 and line $13 is $0.00.
Yes, my husband contributed $2070.81 in 2021.
In regard to me being allocated a share of the Family HDHP limit, it was my understanding that by being covered by an HDHP plan, I could have opened my own HSA account and we could have shared the Family limit. Turbo Tax did not "know" that I didn't have my own HSA account under my HDHP coverage. What puzzles me is that the Step by Step process never asks the user for input as to how much of the limit to allocate to one spouse or the other. For whatever reason, on the 2020 Turbo Tax program it chose to allocate $7100 to me. I just want to know if I can change that to prevent us from being charged this extra $335.
It was my understanding that when you open an HSA account you can turn it into a family plan by listing beneficiaries. Funds from the account can be used to pay medical expenses for those beneficiaries as well as the account holder. That is a bit different from what you are saying, that there is no such thing as a Family HSA account.
I appreciate your effort to get to the bottom of this question and since you are thinking there has to be another piece to the puzzle, I will explain some additional details. Whether they are relevant or not, I don't know. When my husband and I went onto an HDHP plan in October of 2020, he was the primary account holder and I was listed as a beneficiary on the account. And, as had always been the case when I had medical coverage under his plan, my medical card had his name on it, not mine. When my husband opened his HSA account in Oct 2021 ( I actually opened it for him) I was listed as a beneficiary and I was sent my own HSA debit card that was linked to his account. He retired in July of 2021 and he turned 65 in August of 2021. As of August 1, 2021 he went onto Medicare and of course was no longer eligible to contribute to an HSA account. He switched to a Medicare Advantage plan for retirees which is offered by his former employer. As his spouse, because I am not yet 65 I was eligible to remain on the same HDHP plan through his former employer. But unlike before, I was sent a medical insurance card with my name on it. In order for at least one of us to continue making HSA contributions, I opened my own HSA account and listed my husband as a beneficiary. I understood this, too to be a Family account. It was under this account that I contributed $8200 last year.
I hope that helps.
Thanks!!
