My 2025 employer and payroll contributions to my own HSA account: $4,300 (self-plan).
Wife's 2025 employer and payroll contributions to her own HSA account: 8,550 (half year self-plan, half year Family plan).
TurboTax is saying we overpaid with excess contribution of $4,300.
I thought that since we have separate plans and separate HSA accounts that the limit would count separate, is it not true? Does this change if we are filing separately?
What are the implications of withdrawing vs not withdrawing the excess?
