BillM223
Expert Alumni

Deductions & credits

Perhaps what is confusing things is that there is no such thing as a "HSA family plan". You are under Family coverage in your HDHP policy. 

 

As dmertz noted, an HSA is for an individual only (like an IRA). You can have one and your spouse can have one. If one of you have an HSA, you can both contribute to it and both pay expenses from it, which makes it seem like a joint HSA, but it's not.

 

Thus, when dmertz said that your spouse's catch-up contribution needed to be made to your spouse's HSA, this is literally the case: you can contribute $1,000 to your HSA, but only $667 to her HSA, if she even has one.

 

So let's try to clear this up since this is unlikely to be software error.

 

1. Do you have the HSA? Does your spouse have an HSA?

2. How much did you contribute to your HSA? How much did you contribute to your spouse's HSA (if one)?

 

Note that if your spouse does not have an HSA, then TurboTax would not allocate the 8 months of her catch-up to your annual HSA contribution limit because, as dmertz said, she would not be eligible for the catch-up (which must go to her HSA, which she doesn't have).

 

@Chez58

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