High deductible health plan contributions limit is 13,100 per year. why is the ,program telling me my wife overcontributed?

[jtsdjs1947]

both parents have their own HSA claiming one child each. why is the program telling me my wife overcontributed by $3540?

[ghost]

Your confusing the HDHP out of pocket maximum of $13100 with the HSA family contribution limit of $6750.

[TomD8 · Accepted solution]

$13100 is an overcontribution.

The IRS views spouses as one tax unit, even if filing as “married filing separately,” so if either spouse is eligible for a family contribution limit, that is intended to cover both spouses.

The HSA family contribution limit for 2016 is $6750 ($7750 if 55 or older).  That is the maximum HSA contribution for you and your spouse combined if you each have an HDHP with family coverage.

https://apps.irs.gov/app/vita/content/37/37_06_020.jsp?level=basic