@jbonnett wrote:
Thank you for the reply.
I contributed $6900 to my HSA plan and my wife contributed $100 to her HSA plan. Based on your answer I have over contributed to my HSA plan.
If you each have single plans, then yes, you over-contributed. However, you can do a "withdrawal of excess contribution" from your account before April 15, to remove the excess $3400 and avoid a penalty, and then deposit up to $3400 in your wife's account as an additional 2019 contribution (also before April 15) and the moves will offset and leave you with the deduction you expected.
To make a deposit for 2019, make sure you tell the bank that's what you want to do. It may be as simple as a dropbox on an online form, but you need to tell them you are making a 2019 deposit for it to count as 2019.
To withdraw the excess is likewise a special procedure and may require you fax or email a special form. Don't make a regular withdrawal, because if you aren't paying for medical care, a regular withdrawal will be taxed and penalized.
