Bill,
Thx. Great explanation, but I have a question about the 5th scenario you noted about the Family limit where both spouses have and contribute to their own HSAs. Since in my case both spouses are over 55, and each get extra $1000, I assume the family limit is $9100. Is $9100 the limit on what they can contribute to plans or is that the limit of the net amount that can remain in their HSAs after qualified medical expenses have been paid. My wife and my HSA plans allow us to contribute an aggregate of $12650 and we have qualified expenses of over $5000 for a net contribution of $7650. Since this net amount is less than the $9100, do I have any excess contributions?
