@jperasso if you are not covered by an eligible HDHP either family or self-only coverage since June then $3875 is the max. This also assumes your spouse is not cover by an eligible HDHP and also is not covered by any non-HDHP general health plan. If your spouse has eligible self-only HDHP coverage they can set up their own HSA and make contributions for the last 6 months. The max is $1925. If they have an eligible family HDHP and you are not ineligible they can make a maximum contribution of $3875.
contact the trustee or custodian. tell them you were only eligible to make $3875 in contributions and want to withdraw the excess including any allocable earnings. In some cases this can be done online
by eligible HDHP for 2023
the maximum annual dedcutible can not exceed
self-only $1500
family $3000
with a maximum-of-pocket of
self-only $7500
family $15000
