dmertz
Level 15

Deductions & credits

What TurboTax initially tells you is each spouse's maximum contribution without regard to any contribution made by the other spouse.  In your case your maximum contribution for you 1 month of eligibility is $8,100 / 12 = $675 as TurboTax indicated.

 

For your Spouse's maximum contribution without regard to your contribution is $8,100 / 12 +11 * $4,550 /12 = $4,846 (rounded).

 

However, the the regular family limit of $592 (rounded) for the month that you had family coverage is shared between the two of you, so when taking both of your contributions into account your maximum combined contribution is contribution between the two of you is $4,929, your spouse's maximum contribution of $4,846 plus just your catch-up contribution of $1000 / 12 = $83.

 

Since, you've contributed $1,296 to your HSA, that's $621 more than the maximum that you are permitted to have contributed, without regard for your spouse's contribution you have contributed $621 more than permitted.  However, removing just $621 from your HSA would leave your spouse with an excess contribution of $296 due to the combined limit of $4,929.  Since you have an excess contribution to your HSA regardless of anything else, simplest would be for you to obtain a return of contribution of $621 (your own excess) + $296 (the shared excess) = $917 from your HSA, leaving you with a net contribution of $379.  Adding that $379 to your spouse's contribution of $4,550, that gives you a total of $4,929, the maximum combined amount permitted.

 

To get the correct result in TurboTax, you would tell TurboTax that you made the $1,296 contribution, that your spouse made the $4,550 contribution, that you want to split the $592 between the two of you as $296 each, then indicate that you will remove $917 from your HSA by an explicit return of excess contribution.