1) what is the total amount listed on all W-2s in Box 12 Code W?
if that sums to more than $7,000 that is the problem (I assume you and spouse are under 55 years old). This is the so called 'employer contribution'. This number will correctly include what you had withheld from your paychecks PLUS whatever your employers kicked in.
2) if the Code W sums to less than $7,000...... there is a question during the interview asking how much you contributed to the HSA, DO NOT INCLUDE what your employer withheld in your paycheck! only include any additional checks you may have written to the HSA administrator. A lot of folks get tripped up on this. This is the so called 'employee contribution'..
3) both HSAs should be listed as 'Family'... don't list one as family and the other as single. I have the same situation and both of mine are "family".. i do not think this will be the issue, though. I tested this in TT and changed me to single and left spouse as family. TT knew what to do. i could not fake out TT to show me as over the limit.
does that help?
