HSA Excess Contribution for spouses with individual plans

Hello, my new spouse and I will both have individual HDHP plans from our employers in 2025/2026. The individual HSA contribution limit is more than 2x the family limit. From my research, since we each have indiviudal plans, (neither of us have family plans), we can both contribute up to the full individual limit.

Reference:

•  https://www.irs.gov/publications/p969

  • Rules for married people.: If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage.

• https://thelink.ascensus.com/articles/2025/5/12/how-can-hsa-contributions-be-split-between-family-me...

  • If both spouses have self-only HDHP coverage, they can each contribute up to the limit for single coverage: $4,300 for 2025 and $4,400 for 2026 (plus catch-up contributions, if eligible) to their individual accounts.

In our case, since no one has family coverage, then we are both eligible to contribute up to the individual limit. Does TurboTax handle this case correctly or will it be marked as an excess contribution?

I tried testing it out in the software, but since the software only has the limits programmed for 2024, which [family limit] = 2 * [individual limit], I cannot test out the scenario. Will TurboTax handle this case correctly?