BillM223
Expert Alumni

Retirement tax questions

If in previous years, you did not get a message about excess HSA contributions, then you don't need to worry about your prior returns.

 

One thing that may confused taxpayers is that each spouse can have an HSA; that is, people don't share an HSA. So if you have an HSA and your spouse doesn't, then just report it that way. This is different from the HDHP coverage wherein both spouses can be covered by the same Family HDHP policy. 

 

If you don't enter that your spouse had an HSA (because he/she really didn't), then you will never be asked if your spouse has HDHP coverage. This does cause another issue, wherein TurboTax will mistakenly assume that your spouse's coverage has lapsed.

 

That part of the interview could be phrased better, but it has nothing to do with excess contributions.

 

@WL47 

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