Thanks, M9241, that was very helpful. Just a couple details to clarify and then it's closed. The only help I got from TT phone support was a suggestion to look at the actual forms. She said the reaso...
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Thanks, M9241, that was very helpful. Just a couple details to clarify and then it's closed. The only help I got from TT phone support was a suggestion to look at the actual forms. She said the reason Wifey's calculation reverted to mine was that mine was the best option. I said I didn't believe her. Then she wanted me to click the $60 dollar button for competent help. So I was working through the forms manually when I saw your post. The HSA family max still applied until I went on Medicare in October; then Wifey went to single rate and I could no longer contribute. (I had mistakenly thought my wife's entire 2025 contribution was limited to single 4300 rate). I can still contribute for the 9 months before I went on Medicare, provided I pay before tax time. Form 8889 (you should have it open while reading all this...) is done twice, once for me and once for Wifey. For me, line 3 takes the family max 8550 x 9/12 = 6413. Then for Wifey it takes 8550 x 9/12 (family rate) + 4300 x 3/12 (individual rate) = 7488. (TT gathers this info each month, just as you said.) But we can't BOTH contribute those amounts. There is a comparison to see which choice is better, which is the wife at 7488. So IRS takes MY 6413 to zero on line 6, but carries through Wifey's 7488 to her line 6. Then line 7 Wifey gets an extra 1000 due to age. My line 7 gets 1000 x 9/12 = 750. So the final 8889 line 13 says 750 on mine, and 8488 on Wifey's. So, a total family contribution of $9238 out of the original 10,550 maximum. It seems like that works, and I have until filing date to finish the contributions. TT "maximum contribution for James is 7163" is an interesting screw-up. On the 8889 form, which TT filled out correctly automatically, they took my line 6 to zero as stated, and added the 750 in line 7; the form shows a total of 750. Again, TT 8889 shows my contribution at $750, but the software outputs $7163. Bad programming, boys and girls. But look! if we keep the 6413 from line 5, and add the 750, that's 7163. So TT runs through the calcs, and says (DOESN'T SAY) if Dad would make the entire family HSA contribution, he can do 7163, and Wifey is limited to 1000 in addition, for a total family contribution of $8163. Then TT looks at Wifey's 8889, takes away my 6413 to use her 7488, and, if the software wasn't stuck in a loop, TT should say if Wifey would make the family HSA contribution she can do 8488, and Dad is limited to 750 in addition, for a total family contribution of $9238. This is your MAXIMUM family HSA contribution. so, yeah, really glad for the reminder to look directly at the tax forms, and your explanation of the proportional months was very helpful. Best of luck and encouragement to all as we fight this software together!