My wife was covered by a self-only HDHP every month of the year and I was covered by a family HDHP every month of the year. Therefore, our HSA contribution limit should be $7,200. I contributed $4,850 to my HSA and my wife contributed $2,625.01. That adds up to $7,475.01 which is $275.01 over the limit. However, Turbo Tax is saying that we contributed $832 more than allowed. Can someone please explain how that's possible? I've read multiple other HSA questions and double checked all the recommendations that were offered and I still don't see anything wrong. Also, detailed steps on how to withdraw the excess contribution and report it would be helpful.
