topic HSA form 8889 splitting the deduction between spouses in Get your taxes done using TurboTax

HSA form 8889 splitting the deduction between spouses

epete — Mon, 23 Feb 2026 10:45:19 GMT

Re-using a subject by another contributor (same topic, different situation).

Taxpayer (8889-T) and Spouse (8889-S) both over 55 years old at the beginning of 2022.

8889-T (Taxpayer)

Both using High Deductible Health Plan for all of 2022. (Line 1)
Taxpayer HSA contributions all in W2 Box 12 W so Zero entered in Line 2
My financial advisor said we qualify for the $7,300 Family Contribution (Line 3). Family checked for all months.
Not clear what Archer MSA is so I assume does not apply, left amount as Zero (Line 4)
Line 5 remains $7,300 per the calculation.
Line 6 C - This is the portion of the amount allocated to spouse.
- Why did Turbotax populate $1,046? Seems like a random number.
- Does this determine the amount that spouses' medical receipts can apply to or is this meaningless, since it is a family classification? I assumed if classified as Family, future medical receipts for either taxpayer or spouse can be used. I am inclined to set this to Zero. Need advice on this.
Line 7. This is where I enter the additional $1,000 for the taxpayer being older than 55 years old.
Line 8 is a calculation.
Line 9 came from Taxpayers W2 Box 12W

8889-S (Spouse)

Opened a Lively HSA account and contributed $1000.00 under spouse. No HSA contribution on spouses W2 Box 12.

Line 1 - Family
Line 2 - Is this where I enter the $1000 contribution to the Lively HSA account?
Line 3 - all months checked, Maximum allowable shows $7,300
Line 4 - 0
Line 5 - $7300 (calculation)
Line 6 - Assuming Line 6 in 8889-T is $7300, this is zero, right?
Line 7 - Maybe this is where I enter the $1000 contribution to the Lively HSA account instead of Line 2. ??
Line 8 Calculation
Line 9 is Zero from Spouse W2 Box 12W.

Do folks agree with what I was told from my advisor that our total maximum allowable contribution is $7,300+1000 Taxpayer (Over 55) + $1000 Spouse (Over 55)?

Re: HSA form 8889 splitting the deduction between spouses

Critter-3 — Wed, 18 Jan 2023 18:51:09 GMT

The max is $7300 family + ONE extra $1000 for being over 55 for a total of $8300

Re: HSA form 8889 splitting the deduction between spouses

Mike9241 — Wed, 18 Jan 2023 17:08:57 GMT

$7300 + $1,000 for each of you that is over 55. the extra $1,000 for the spouse must go into her HSA

here are other threads on the subject

they're from prior year's but the law on the catchup has not changed

https://ttlc.intuit.com/community/retirement/discussion/what-is-the-2021hsa-contribution-limit-for-a-couple-filing-jointly-who-are-both-over-55/00/1753506

https://ttlc.intuit.com/community/retirement/discussion/is-the-2021-hsa-contribution-catch-up-for-those-over-55-per-person-if-two-are-over-55-or-per-family/00/1753549

Re: HSA form 8889 splitting the deduction between spouses

Opus 17 — Wed, 18 Jan 2023 17:15:47 GMT

Yes, your allowable maximum is $9300, but the $1000 catch-up provision must be contributed to the specific person's account. The $7300 can be split any way you choose. It should be allowable for you to contribute $8300 to an account in your name and $1000 to an account in your spouse's name.

If you are getting a different answer from Turbotax, someone else will have to review your entries, I don't have the time to follow them now. Also, it may be that Turbotax is still programmed for the 2021 limits. Sometimes these calculations are not updated until later in the filing season. (Although the web site says form 8889 is ready to file.)

Re: HSA form 8889 splitting the deduction between spouses

epete — Wed, 18 Jan 2023 18:46:08 GMT

Thanks. Good to know we have funded our two accounts correctly with $8,300 in Taxpayer and $1,000 in Spouse.

Theer is an issue in TurboTax that was not in last year's version. After downloading my W2, TurboTax did not populate Line 3 which caused my HSA contribution to be entered as an Excess Contributions for 2022 in Form 5329-T, Line 47.

I would still like to get confirmation that Line 2 is for any additional contributions I made on my own that are not listed in my W2 B12W and Line 7 is where I enter the additional $1000 that tells TurboTax that I qualify for the over 55 amounts. So on the 8889-S, I would have 1000 in Line 2 because we contributed that on our own to her Lively account, and I would have 1000 in line 7 to indicate she qualifies for this $1000.

Re: HSA form 8889 splitting the deduction between spouses

Critter-3 — Wed, 18 Jan 2023 18:58:16 GMT

The HSA is handled in 3 parts in the TT program :

First the contribution:

https://ttlc.intuit.com/replies/4557768

https://ttlc.intuit.com/replies/4785646

Next the limitations screen to confirm you are eligible to make the contributions:

Until you complete the HSA portion of the TurboTax interview to establish your eligibility for an HSA contribution, TurboTax will treat the amount entered on the W-2 form as an excess HSA contribution.

https://ttlc.intuit.com/replies/4788059

And lastly any distribution:

https://ttlc.intuit.com/replies/4787864

Re: HSA form 8889 splitting the deduction between spouses

epete — Wed, 18 Jan 2023 19:04:50 GMT

OK, thanks. I guess it isn't a bug than and I tried debugging too soon.

I guess I should also post this as I have been using this page as a reference as well.

Instructions for Form 8889 (2022) | Internal Revenue Service (irs.gov)