@jbonnett wrote:
My HSA plan is set up as a family plan. I am not sure about my wife's. I've been trying to verify that my son and I were on individual plans (we are all on one family insurance plan now). I assume so as it was separate login's and separate bills.
Please be careful with your terminology. There is no such thing as an "HSA plan".
A qualified HDHP insurance plan can be single or family.
An HSA account is neither single nor family, it just exists. Your tax deductible contribution limits are determined by what kind of medical insurance plan you have and can change from year to year if your insurance coverage changes.
If you have a single HDHP insurance plan, and you told the HSA bank that you had family HDHP insurance, they might have set the wrong limits on the account, but that would be your mistake, not theirs.
If you have a single HDHP insurance plan, you and your spouse's personal account limits are $3500 each.
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Now for 2020, if you are covered by a family HDHP insurance plan, then both spouses are considered to be covered by family HDHP plans no matter whose name the insurance is under. Your overall contribution limit to your HSA accounts is $7100, and your individual account limits for 2020 are also $7100, so for 2020 it would be permissible to contribute $7000 to one account and $100 to the other account.
Also note that for 2020, your son is still separate, even if he is covered by your family HDHP plan. He can contribute separately to his own HSA account up to the family limit of $7100. His limit is separate from yours.
