BillM223
Expert Alumni

Deductions & credits

So far as I know, TurboTax has no way to allow you to enter your spouse's contributions as his/her own when you are filing MFS - you can only enter them as yours. 

 

However, if you claim Family HDHP coverage and enter all the contributions are yours, I think you will approximate what you want - you will have excess contributions of the right amount, because, by default, 

 

What is impossible with TurboTax is for TurboTax to automatically allocate the Family HDHP policy coverage between the spouse. If you enter Family coverage, then you will get the entire $8,300. If the total of yours and your spouse's contributions excess $8,300, then TurboTax will report the excess, and you get to take the consequences.

 

NOTE: who owns the HSA? You? Your spouse? The HSA must be reported on the tax return of the owner. If it is you, then no problem.

 

NOTE: In this scenario, if your spouse also has an HSA, then your spouse should not report any HSA contributions. If your spouse took distributions (got a 1099-SA in his/her name) then your spouse will have to go through the HSA interview, claim Family coverage, and then enter no contributions.

 

Wait, did your spouse make HSA contributions through an employer? That is, does your spouse have a W-2 and is there a code W in box 12 on it? If so, this plan won't work, because you won't be able to report those contributions on your return - but do tell me if your spouse's code W amount went to your HSA.

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