dmertz
Level 15

Deductions & credits

In addition to entering a $6,750 HSA contribution for you for having family HDHP coverage for 10 out of the 12 months, it seems that you've also entered a $6,750 HSA contribution for your spouse for having family HDHP coverage for 10 out of 12 months.  However, the regular 12-month family contribution limit of $7,100 is shared between the two of you, so the maximum permissible contribution with each of you being eligible for only the first 10 months of the year is

($1,000 + $1,000 + $7,100) * 10 / 12 = $7,583.   With a $6,750 contribution by each of you entered totaling $13,500, that's $5,917 over the combined limit.

 

Note that TurboTax's initial display of the maximum contribution permitted by each spouse is determined without regard for the other spouse's contributions.  Only after you've entered all of the contribution amounts can TurboTax determine any actual excess contribution based on the combined contributions.

 

What this amounts to is if you allocate all of the family limit to you so that you are eligible to make the $6,750 contribution, that would leave only your spouse's catch up contribution of $1,000 * 10 / 12 = $833 that your spouse could contribute.

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