So, now, please tell me how you contributed these HSA contributions (who made them and through employer or not), and then tell me how you added the 650 to round out to 7,200. Was it on a W-2 or was it a personal/direct contribution? I am considering the possibility that you added accidentally to your HSA (which indeed would have just increased the excess) or whether not the platform makes a difference.
And when I did this test, I showed Self-only for you and your spouse for September-December. But Opus's question makes me wonder - did one of you have the Family HDHP policy, then on September 1st, one of you left it and started a separate Self-only HDHP policy? This means that the other spouse likely would still have the Family policy (if you had dependents on that policy).
So please also confirm that neither of you had a Family HDHP policy from September to December.
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