@sshelkrot-gmail- wrote:
I appreciate your sorting this out with me. . .but no, I did not put both HSAs in my name, and my husband's birth date is correct. The total amount we contributed was $7361, and TT is saying we are over by $261, which would be the amount over the under-55 max of $7100. ALso, it shows a $1000 deduction in my name, but I have no idea what that is, unless it's related to 2019 return that also claimed I was over by $1000 (same situation--I contributed $4500, family coverage, married filing jointly)
So it sounds like your problem is 2019.
If Turbotax thinks you had an excess contribution of $1000 in 2019, and you did not remove the excess, then the excess remains in your account to be applied to future limits. That means the program is seeing you as contributing $8361 for 2020 ($7361 in 2020 plus the $1000 excess contribution from 2019 that you apply in 2020 to use it up.)
The issue then is did you really have a $1000 excess in 2019. You would need to look and see if you had form 5329 and form 8889 on your 2019 return. If not, then how did it get in your 2020 return and how to get it out. If it is on your 2019 return and was incorrect for 2019, that needs to be amended.
