Congratulations on your wedding. You will need to remove the excess of the contributions over the family limit, which is $8,300 if you're both under 55 at the end of 2024. This amount is exactly double the individual contribution limit, so your employers shouldn't have allowed this overcontribution. Are you sure you both overcontributed to your individual HSAs? They have a limit of $4,150 if you are under 55.
Since you had separate HSAs, you should withdraw the excess from each account with the overage.
Your HSA custodian will be able to provide you with a form to remove the excess contribution, and you should move the amount needed for the withdrawal out of investments into cash to ensure no delay in the withdrawal.
@EHutchins [Edited 03/05/25 | 3:15 pm PST]
