"I changed husband's Medicare months to January thru December, and now TT says his maximum contribution limit is $0."
Good
"I continued to my HSA, where I had HDHP family plan for Jan thru Sept and self-only for Oct thru Dec. TT says my max contribution is $7300. "
Actually, that is correct. You had 9 months of Family coverage (5,400) plus 3 months of Self-only coverage (900) plus $1,000 for the age "bonus" (because the age bonus is not pro-rated in this case), for a total of $7,300. The Calculate button doesn't handle spouses sharing the Family coverage. But your husband wasn't sharing it in 2021 because of Medicare, so it's all right.
"I was expecting TT to say the excess contribution is $2100 or $2120. "
There was only $1,600 contributed to your husband's HSA for 2021, all by his employer. Why do you think that $500 was also contributed to his HSA?
So his annual HSA contribution limit is zero, as you see, it makes sense that all of the HSA contributions are in excess - and so they are: $1,600.
NOTE: 1099-SA distributions have nothing to do with the annual HSA contribution limit. The excess is ONLY the amount of the contributions in excess of the annual contribution limit.
"MarilynG1 advised saying "YES your HSA contribution was made by your employer and deducted from wages on W-2.""
Yes, this is correct, because all $1,600 was reported on the W-2 in box 12 with a code W. There is no $500 contribution. Again, why do you think there is?
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