BillM223
Expert Alumni

Deductions & credits

I am confused. You were under a Family plan all year? Did you enter that in TurboTax for each month (or if it was all year, you can just check "Under Family Coverage for all of 2019".

 

After all, you can still claim a Family plan, so long as your spouse is on the plan even if she is no longer an eligible individual because of Medicare.

 

The IRS says,

"Family HDHP coverage is HDHP coverage for an eligible individual and at least one other individual (whether or not that individual is an eligible individual)." See IRS Pub 969, page 4.

 

If you entered Family for you for all 12 months, and Family for your spouse for 6 months and None for the rest, your annual HSA contribution limit is still $8,000 (because you are 55 or older, I assume). So you should not have gotten the excess contribution message in this case.

 

What did you actually enter for your 12 months and her 12 months?

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