Thank you all!!
I followed the responses as they came in and they all made sense, each in their own way, and they all got me to the same answer. Which is great because math should do that - get to the same answer different ways.
To clarify my situation, since I was not as clear as I could have been (and knowing more now that I have seen your responses):
- My wife and I were both covered by my family HDHP for the entire 2020 year.
- My wife and I each have our HSA account
Net: For 2020, I can contribute 8100 to my HSA (based on family plan and including my catch up) and my wife can contribute 750 to hers (9/12 x 1000).
Thanks again, really appreciate everyone's time and advice!!! And thank you to Bill for summarizing it all.
