According to the IRS, your HSA contribution limit is determined by the type of plan you have, not just your marital status:
Individual (Self-Only) Plan: Limit is $4,300.
Family Plan (Covers 2...
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According to the IRS, your HSA contribution limit is determined by the type of plan you have, not just your marital status:
Individual (Self-Only) Plan: Limit is $4,300.
Family Plan (Covers 2+ people): Limit is $8,550.
If you and your husband have two separate individual plans (meaning your plan covers only you and his plan covers only him), you are both restricted to the $4,300 individual limit.
Your combined limit is $8,600 ($4,300 x 2), but if the program assigned the entire $8,550 family limit to one of you and then saw that your spouse also had an Individual plan, it will generate an error.
In order for the program to recognize the $8,550 limit correctly for a married couple, follow these steps:
When you are asked in the HSA interview section, "What type of High Deductible Health Plan did [Name] have on December 1, 2025?", Check the "Family Coverage" Box for Both of you (The IRS "Special Rule for Spouses" allows you to share one family limit ($8,550) however you like between two accounts.)
However, if you have two truly separate individual plans, Make sure both are marked as Self-only (your combined limit is $8,600 ($4,300 each), which covers your $8,550 total).
Also... Check the "W-2 Box 12 Code W" entry (Make sure you didn't accidentally enter your husband's contributions under your name (or vice versa)). If his employer contributed to his HSA, it must be entered only on his W-2 in the software.
And finally... If either of you changed plans mid-year, the program may be prorating your limit. Make sure you indicated that you had coverage on December 1, 2025 (which should allow you to claim the full year's limit).