You should go back
through the Health Savings Account (HSA) section of your return to double check
your entries for the High Deductible Health Plan (HDHP) coverage for 2016.
There is a special rule for married persons with multiple
HDHP plans for the year. If one person
has family coverage while the other has self-only coverage, you both must check
the box that you have family coverage.
This is because you will be subject to the maximum contribution amount
that is equal to the family coverage amount.
The following information from TurboTax help content will
explain this in greater detail:
Taxpayers With
Multiple Plans
Individual Policy and Family Policy
If either spouse has family coverage, both spouses are treated as having family
coverage. You must change your coverage designation to "family" for
both spouses. You should adjust your entries so that the person with self only
coverage enters family coverage. Since you are both covered by HDHPs (High
Deductible Health Plans) and are married, you are both considered as having
family coverage for this form, even though one of you has self only coverage.
The contribution limit is split equally between the spouses unless you agree on
a different division.
Example 1: John has family HSA coverage from January 1 through December 31. His
wife Jane has individual coverage January 1 through April 30. Because John has
coverage on December 1st, he is considered to have coverage for the full year.
They are each treated as having a high deductible family coverage under John's
plan. John can contribute $3,375 (1/2 of the maximum contribution) to his HSA
and Jane can contribute $3,375 (1/2 of the maximum contribution) to her HSA
plan. They may divide the $6,750 maximum contribution between themselves as
they like.
Two Family Policies
If each spouse has family coverage under a separate plan, both are treated as
having family coverage. You must reduce the limit on contributions, before
taking into account any additional contributions, by the amount contributed to
both spouse's Archer MSAs. (This limitation is calculated for you.) After that
reduction, the contribution limit is split equally between the spouses unless
you agree on a different division.
Self and Family Plans at Different Times
If you were covered by a self-only HDHP and a family HDHP at different times
during the year, check the box for the plan that was in effect for a longer
period. If you were covered by both a self-only HDHP and a family HDHP at the
same time, you are treated as having family coverage during that period.
