assuming you had family coverage all of 2023 and all the funds went into the same HSA account, any excess would have had to been withdrawn by 4/15/2024 unless the return was properly extended then you have until 10/15/2024 to withdraw excess and earnings thereon. Tell the administrator toy want to withdraw excess contributions and earnings nit that you wan a distribution. there is no such thing as a joint HSA it's either in your name or hers. however, each spouse can have their own account. the following assumes one of you had a HDHP with family overage
for 2023 the max to your account (no spousal account) is as follows
7750 times 9 divided by 12
3850 times 3 divided by 12
+1000 if your over 55
=7775
you can leave in any excess and pay a 6% penalty. then reduce the 2024 HSA contribution by the excess and only contribute based on self only max
if you to your spouse had her own account (you didn't)
7750 times 9/12
3850 time 0 divided by 12
1000 times 9 divide by 12
=6563
any excess would need to withdrawn to avoid 6& penalty year after year until funds exhausted
if you Both have an HSA
the max is
7750* 9/12
3850 8 3/12
1000 to only your account if over 55
750 only to her account if over 55
=8525
this can be divided between the accounts any way you want as long as hers doesn't go over 6563
