"master HSA account" - no such thing, there is just an HSA, which can be shared by the spouses and dependents. I ask people to avoid using things like "joint" HSA or "Family" HSA because the underlaying HSA does not determine the annual HSA contribution limit, but only the type of HDHP policy you have at a given time.
OK, so to whom does the HSA belong? You or your spouse?
What type of HDHP insurance did you have in 2021? Family?
Did you have this every month?
Did you make excess HSA contributions in 2020 and carry over the excess?
Did you make any contributions for an Archer MSA?
We have to figure out why TurboTax thinks that your annual HSA contribution limit was only $3,200 - and it was something you entered.
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