dmertz
Level 15
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Deductions & credits

You are mistaken.  When one spouse has family HDHP coverage and the other spouse has self-only coverage,  the tax code treats both spouses as having family coverage subject to a single $7,750 contribution limit for 2023.  The $7,750 contribution limit can be split between the spouses individual HSAs in any way that they chose.  (You quoted the 2022 contribution limits.)

 

TurboTax saying that you have a $2,580 excess contribution implies that you have told TurboTax of $10,330 of HSA contribution between the two of you, not $9,971.  If you contributed only $9,971 between your two HSA accounts, you would have an excess contribution of only $2,221 (unless you also had an excess of $359 carried in from 2022).

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