May I assume that you had Family HDHP coverage both years? Otherwise, you would have made excess contributions in both years with Self-only coverage.
Please tell us:
1. Type of coverage (Self-only or Family)
2. Age (under 55 or 55+)
3. Number of months of HDHP coverage
4. How many HSAs (the HSA belongs to an individual, so married couples could each have an HSA).
5. Did you have conflicting coverage at any point (employer insurance, health HSA, Medicare, etc.).
6. Where was your HSA contribution listed? On your W-2 in box 12 with a code of W or as a personal contribution made directly to the HSA custodian?
7. "I got a $3850 tax break for an HSA in 2019" - where did this tax break appear? On line 12 on Schedule 1 (1040) or as an exclusion from Wages on your W-2?
And, finally, what was your question about 2020?
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