I contributed $7,300 to my wife's HSA in 2022 through my employer (payroll deduction). I have a Family HDHP in my name through my employer which my wife is covered under. She did not make any contributions. I did not make any individual contributions The total contributed between both of us is the $7,300. I do not have an HSA in my name.
During the HSA interview, I originally selected my wife has family HDHP coverage. The question later comes up if I had family HDHP coverage. I selected yes (cuz I do) and it then asks why my coverage lapsed. After searching these forums I figure out that the question is actually asking if coverage was held in persons name and not if they were just covered. I then realize my wife should be listed as having HDHP coverage if this is the case and select she has none. Now the form claims I have Excess of the full 7300. How do I fix this?
Why did we set it up so that I contribute to wife's HSA? Originally the insurance was in her name and she made the contributions. We didn't want to create another account to keep track of it. From what I understand, the IRS doesn't care as long as we only make a combined 7300 contributions between the both of us and have a Family HDHP plan.
Turbotax needs to clarify these questions and make the software account for more possibilites. I fight this every year and getting tired of it.
