Correct. My wife's plan is another HDHP that also offers an HSA with employer contributions. That's good information to know about the rollover HSA. I knew about that when it comes to 401k accounts, but didn't consider it for the HSA.
Specifically they sent us a "Health Savings Accounts Excess Contribution Notice." The letter states that we "may" have over contributed. I called today to confirm the amount, and that's when I was told it was around $900. I'm assuming since my wife was a part of the account, maybe they just saw that the total contribution was over $7000? I'm not really sure what triggered the notice. When we were dealing with the HSA through the insurance provider, everything was much more clear. Now that it has been offloaded to another account, it has been harder to track things down.
Yes, this was for the 2020 year. The employer contributions were $6969.84 I thought that that's all we had last year... but as I was typing this I remembered we made a direct contribution of $1000 online to cover a charge that may have over drafted. I completely forgot about that contribution and didn't account for it on the 2020 taxes either. So based on that, it would seem that it was indeed over.
I'm not sure I fully understand the carryover question. We had funds left in the HSA after 2019, but we did not meet the contribution limit that year. We did have covered of the HDHP all year. Age is 29.
I'm happy to answer any questions... I'm just not sure what all details are needed. Thank you for all of your help though!
