BillM223
Expert Alumni

Deductions & credits

TurboTax will allocate the Family coverage limit between the spouses as needed; there is no direct way for you to do it - and, frankly, there is no reason for you to do it.

 

Doing it the way we do is indeed following the IRS instructions; it's just that the instructions are less than clear.

 

Although you have two form 8889s, each with an apparent $7,000 HSA contribution limit, in fact, you don't have $14,000 of limit. This is the price we pay for there being two 8889 forms but only one shared Family coverage limit. It is difficult to represent this in a straightforward fashion.

 

So just go with the flow - TurboTax is representing your situation in the way that the IRS wants, because we would have heard about it by now if we weren't.

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