That sounds very confusing. Remember that the family plan limit is shared -- you can divide it between the two of you but your combined total can't be more than either of your individual totals. in other words, if you were covered by a family plan for the whole year, your combined maximum is $8550 total, not $8550 each. Or, if you each had single covered from January to June and switched to family coverage in July through December, your individual limits would be $6425 (or $8550 if you use the last month rule) but your combined contribution can never be more than $8550.
For which months were you covered by a single, or family HDHP? (Covered means you are covered by the plan, even if you are not the subscriber.). How much did you contribute?
For which months was your spouse covered by a single, or family HDHP? How much did she contribute?
Are either of you over age 55?
