Under those circumstances, your spouse ‘ personal contribution limit is $6083 plus $1000 catch up equals $7083. Your personal individual limit is $4150, as previously determined. Your overall family limit is also $6083, plus $500 for your catch-up and $1000 for your spouse‘s catch-up.
If you have more than $4150 in contributions to your individual account, you will have to contact your HSA bank to remove the excess contributions, no later than the filing deadline for your tax return on April 15, 2023, but best to do it during 2022. If those excess contribution earned any money, those earnings also have to be returned to you and they will be considered taxable income.
