Why is Turbotax is wrongly calculating hsa excess contribution? My spouse and I are 55 and over in 2025. Our total limit should be 10550

Forum|Forum|2 months ago
April 16, 2026
1 reply
226 views

our total contribution was $10,095. Turbo tax is calculating 3,300 as excess contribution

TurboTax Online

Opus 17

Level 15

1. Are your birthdates correct?

2. Did you indicate that you and your spouse had qualifying HDHP coverage all year? You should indicate you both had coverage, even if one spouse was covered under the other's policy.

3. The $1000 catch-up can only be contributed to an account in the taxpayer's own name. HSAs are individual accounts, they are never joint. If you and your spouse were both covered by family HDHP insurance all year, then the $8550 can be split any way you want but the $1000 catchup only goes in each one's own account. So you could contribute $9550 and your spouse $1000, or you could contribute $5275 each, but you can't contribute $10,550 to a single account.

4. Did you enter workplace contributions as if they were out of pocket contributions? That can create an apparent excess contribution. Workplace contributions are only entered automatically via your W-2, never separately. Only separately list contributions you made out of pocket.

5. If these things don't fix it, try deleting form 8889-T and 8889-S and then run the HSA interviews again.