[EDITED] @Opus 17 Thank you. You wrote "which may be split between an account in your name and an account in your spouses name".
There is only one HSA ACCOUNT, which is for the family and into which I contributed $8000. There was no suggestion from the insurer that we should have created two HSA accounts - I'm not sure that was even possible, given that there is only one family HDHP. Even if there were two accounts, the grand total contribution would have been $8000.
The interview for "Tell us about the health-related accounts" asks who had an HSA, to which I only checked off myself and not my spouse, since the 1099-SA (for the 2019 HSA distribution) from the insurer came to me in my name only, though it is for use by me and my spouse.
[EDITED] TurboTax says that I had an excess contribution of $4500 and that I checked off that I would withdraw that excess contribution by July 15. However, I used all but $0.98 of those funds to either pay medical bills directly or to pay myself for out of pocket medical bills.
[EDITED A SECOND TIME] If I change the response to "No we're not going to make this withdrawal" then our federal refund is INCREASED.
[EDIT 3] And the INCREASED refund is exactly what the FILED tax return shows. So there is a glitch in that TurboTax changed the response to that question after filing.
