I am having the same issue. My family is all on the same HDHP plan, all year. I am the only person working, only person contributing to a single family HSA. I maxed it out last year at 7300. I am a 1099, there were no employer contributions and no W2 distributed. No matter how I enter it it says i have over-contributed by 3650. The only way I can get it to accept is to go through the steps, tell it we both have HSA accounts and contributed $3650 each under HDHP, then edit again and unclick that my wife has a HSA account to review. I have not seen the forms it produces yet.
