for the HSA the limit is 1/12 of the annual maximum for each month you are not covered by an FSA (health care) on the first day of the month
annual maximum for 2022
self-only $3650
family $7300
if you are over 55 additonal $1000 must go into your HSA
if spouse is over 55 additional $1000 must go into her HSA
if you have overcontributed your options are
1) withdraw the excess + earnings - contact the administrator. since your wages on line1 of your w-2 will be reduced by your contributions, the amount withdrawn which may include employer matching contribution (employer contributions were tax-free when made but if you take them out for non-qualified medical purposes they're e taxable ) + earnings are taxable or
2) spend the entire amount in the HSA on qualified medical expenses since the penalty can not exceed 6% of the year-end fair market value of the account or
3) pay the 6% penalty. the penalty will apply each year there is a remaining over-contribution
the maximum for the health care FSA is determined by your employer but subject to limitations under the tax laws.
https://hr.nih.gov/about/news/benefits-newsletter/2021/12/flexible-spending-accounts-program-new-202...
