to confirm, the Code W amounts on the W-2 is $7000 and $1162 and you DID NOT enter any amounts elsewhere. Part of the problem is the family limit was $7100. She doesn't get $7100 and then you get a separate $3550. That doesn't explain the entire problem, but it is a start.
The language the IRS uses is confusing (and TT has to follow it)
When it talks about the 'employer contribution' that is the money that is Code W on the W-2, even though it was your income that was withheld.
When it asks if you made any contributions (employee contributions) this is where you sent a check directly to the HSA administrator and it did NOT go through your paycheck. Many replicate what is on their W-2 Code W with this entry as the wording is very confusing.
does that help any? You are certainly over by $8162 - $7100 or $1062 but there must be something else.
