BillM223
Expert Alumni

Deductions & credits

It sounds like you had Self-only HDHP coverage and your wife had Family HDHP coverage.

 

It is a common issue that taxpayers don't realize (as obtusely explained in IRS Pub 969) that in this case, BOTH spouses share the Family HDHP coverage and the Self-only policy is ignored for purposes of calculating the annual HSA contribution limit.

 

That is, for 2024, the total amount that you two can give to your HSA (do each of you have one? You should) is $8,300. If the person that owns the HSA is 55+, then you can add $1,000 (proration applies if you turn 55 in 2024).

 

Hmmmn, as for desktop sticking, you may find it necessary to just clear out your return of any HSA data and start over. I really don't want you to make entries in Forms mode, because (1) you can't e-file, (2) it negates the Tax Accuracy Guarantee, and (3) most importantly, this is how most taxpayers get the 8889 and the 5329 wrong.

 

To clear out your HSA data, please do the following:

 

***Reset***

 

1. make a copy of your W-2(s) (if you don't have the paper copies)

2. delete your W-2(s) (use the garbage can icon next to the W-2(s) on the Income screen)

 

*** Desktop***

 

3. go to View (at the top), choose Forms, and select the desired form (1099-SA (if one), 8889-T, and 8889-S (if one)). Note the Delete Form button at the bottom of the screen.

 

*** Online ***

 

3. go to Tax Tools (on the left), and navigate to Tools->Delete a form 

4. delete form(s) 1099-SA (if one), 8889-T, and 8889-S (if one)

 

5. go back and re-add your W-2(s), preferably adding them manually

6. go back and redo the entire HSA interview....unless you didn't have an HSA, in which case you just continue with your return.

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