dmertz
Level 15

Deductions & credits

If you each have self-only HDHP coverage, neither one of you has family HDHP coverage and each of you is limited to $3,850 of contributions to each one's own HSA for 2023.  In this case, TurboTax is correct that you have made an excess contribution of $2,900 that you need to have returned to you by requesting a return of excess contribution from the HSA custodian before the due date of your 2023 tax return, including extensions.  The excess $2,900 contribution will be subject to penalty each year until corrected.

 

If to date your spouse has made only $400 of HSA contributions to her HSA for 2023, your spouse can contribute another $3,450 for 2023 to bring her 2023 contribution total up to $3,850.

 

If you obtain the return of your excess contribution by the deadline or your spouse makes an additional contribution for 2023, you'll need to amend your 2023 tax return if you have already filed.