for Sept to Dec did you have self-only coverage for yourself while your spouse had self only coverage for herself or did you actually have family coverage for that period
if self-only for the last 4 months. your maximum contribution for 2021
is $7200 annual amount prorated for 8 months or $4800
+ $3600 annual amount prorated for 4 months or $1200
total for you $6000 max
you contributed to your a/c $6650
spouses maximum contribution
3600 annual amount prorated for 4 months or $1200
she got $550
if you withdraw the $650 from your account + earnings thereon by 4/15/2022 (earnings are taxable) - you would get form 1099-SA showing the withdrawal (maybe not until 2023) contact the HSA trustee for procedure to follow. there should be no penalty (possible Turbotax bug) for 2021
and you can put $650 into spouse's HSA.
here's from the form 8889 -HSA instructions
Excess Contributions You Make
To figure your excess contributions
(including those made on your behalf),
subtract your deductible contributions
(line 13) from your actual contributions
(line 2). However, you can withdraw
some or all of your excess contributions
for 2021 and they will be treated as if
they had not been contributed if:
• You make the withdrawal by the due
date, including extensions, of your 2021
tax return (but see the Note under
Excess Employer Contributions, later);
• You do not claim a deduction for the
amount of the withdrawn contributions;
and
• You also withdraw any income
earned on the withdrawn contributions
and include the earnings in “Other
income” on your tax return for the year
you withdraw the contributions and
earnings.
now if you really had family coverage all year that's the box that should be checked for each month on both forms. then there will be no issues. you can contribute the $6550 to your a/c and the $550 to hers and get a $7200 HSA deductions
