"note that on the form 8889 Instructions under line 6, it explains that spouses can choose how to split the allocation." - please note that this instruction is for the current year. It is silent on changing the allocation in prior year returns, and as I pointed out, the instructions referring to how to calculate the failure to maintain HDHP coverage make no mention of changing the allocation but just refer to the line numbers on the prior year 8889, in which the amounts are "frozen".
"then when the 2020 data is pulled over to 2021 the only thing that would change is the 2021 HSA forms. " - this makes the assumption that no data not directly involved with the section change would not also change. Clearly, you can't safely make that assumption, so the only safe ting to do is to carry over everything all at once. And it would not pay for TurboTax to write a huge amount of code what-ifing for every single data item being carried across. Could I carry this across safely? How about that? What about this, this, and this? No, this doesn't make sense, not when there is a simple workaround - to just redo the entire import.
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