For 2024, for the first 9 months, my spouse contributed to her HSA (along with a family HDHP) for the amount of $5,810. Then for the last 3 months, I contributed to my HSA for $3,389, with a total contribution of $9,199. I am over the catch-up age (55); my spouse is not. And I know that the 2024 contribution limit is $8,300 and $9,300 for those over the catch-up age.
In this mixed scenario, what is the total contribution limit? When I enter my data in TurboTax, it says we are $20 over the limit (excess contribution). I'm just not sure how that number is derived. Also, if this is correct, from whose account should the excess contribution be withdrawn or does it matter?
Thanks.
