Thank you very much, VictoriaD75. Your numbers explain how TurboTax did the calculation.
I was thinking the self HSA for December could have a limit of $3,500 x 1/12 + $1,000 = $1,292. The reason of having a full $1,000 catch-up is that my wife has HDHP coverage for all 12 months in 2019, albeit they split between a family plan and a self plan. After all, the rule is that I and my wife each has a max of $1,000 for catch-up. Is this a wrong interpretation of the rule?
