@Opus 17
I understand that during the first six months of the year, I was the owner of a family plan and the total contribution would be $8300/2 = $4150.
I am not clear on my wife's contribution. She won't have a family plan, she will be the only individual covered by her HSA. You mention the overall family contribution is $6083, I'm not sure where you got that number.
Show me where I'm going wrong:
First six months of year: Family plan, with me as the owner. I can contribute (7300 +1000)/2 = 4150.
My wife and I continued to be on a HDHP family plan for two months, during which no contributions were made.
I think the max we can contribute as a family is (7300 x .75)+1000+500 = 6975. The .75 is because she will be covered by a HDHP all year, I will be covered for half the year, so effectively the total family contribution is pro-rated and comes to75%.
So if I contribute $4150, the most she can contribute is $2825.
I appreciate your help, I'm just not understanding how you got the numbers. I think the discrepancy is that my wife will not have a family plan.
Thanks.
