apparently you left the supposed excess in for 2022. if the discussion below applies to 2022. go back and amend 2022 to get back the penalty and show no excess. This is needed because that $3100 excess doesn't exist but Turbotax doesn't know this and would use $600 to max out 2023 with the remaining $2500 again subject to penalties. Surprisingly, you can take that supposed excess out because it doesn't exist and thus would be treated as a disqualifying distribution. For the 2023 TurboTax if the $3100 is truly not an excess you'll have to go into the carryover worksheet to eliminate it.
even if one spouse is covered by a family plan (TURBOTAX DOES NOT CAREFULLY EXPLAIN THE MARRIED COUPLE FAMILY PLAN EXCEPTION)
the tax laws say that if either spouse, but not both, has a HDHP family coverage both spouses are treated as having HDHP family coverage. The family plan must have a minimum annual deductible of $3000 and a maximum of $15,000 to be a qualifying HDHP for HSA contributions. If both of you have a family plan then neither plan can have below the minimum or above the maximum amounts to be a qualifying plan. (IE if one family plan is below the minimum or above the maximum, neither spouse has a qualifying HDHP so no HSA is allowed)
so assuming at least one of you has a family plan and the other does not have disqualifying coverage
then the max for 2023 is 7750 or the actual amount contributed and you don't want to make up the difference personally.. however, to avoid a problem a minimum of $400 should be allocated to your spouse
provided there is no disqualifying coverage and at least one plan is a qualifying HDHP you must check family coverage on both 8889s (this is true even if one of the plans is self only)
