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Please tell me the following:
1. is it just one HSA for one of you, or does your spouse also have an HSA?
2. Do you have Family HDHP coverage or just Self?
3. Did you have HDHP coverage for all 12 months?
4. Did either of you go on Medicare during the year?
5. Did either of you have conflicting medical coverage, like an FSA or employer coverage that was not HDHP?
6. Did either of you have excess HSA contributions in 2022 that you carried over?
Please answer these questions so that we can give you the right answers the first time.
For more details,
1. is it just one HSA for one of you, or does your spouse also have an HSA?
It is for both. Each of us has HSA, mine single, my spouse has family for last march to December, before that, it was also single for herself.
2. Do you have Family HDHP coverage or just Self?
Both of us had HDHP coverages, mine from my company as single for 2023, my spouse from her company as single for Jan ~Feb and as family for Mar~December for 2023.
3. Did you have HDHP coverage for all 12 months?
Yes.
4. Did either of you go on Medicare during the year?
No. However, we took the maternity leave for 3~4 months.
5. Did either of you have conflicting medical coverage, like an FSA or employer coverage that was not HDHP?
I had $610.00 Limited Purpose Flexible Spending Account (LPFSA) which is rolled over to 2024.
6. Did either of you have excess HSA contributions in 2022 that you carried over?
No.
I can't make this work.
Let me restate what I heard you say:
TP (you): Self-only HDHP all 12 months, you contributed 3,850.
SP (your spouse): Self-only HDHP Jan-Feb, Family HDHP March to December, SP contributed 7,750
How did the TP contribute the 3,850? Through code W in box 12 in the W-2?
How did the SP contribute the 7,750? Through code W in box 12 of the W-2?
Did either spouse make direct contributions to with HSA (i.e., not through the employer)?
Like I said, I can't remotely make this work - 11,150 from where?
If I can't get a satisfactory explanation, I will ask you to to an HSA Reset to start over on your HSAs.
"why our limit is 3650 even though we are filing the tax as married couple jointly." Your filing status does not matter but only the type of HDHP policy you had.
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