topic HSA Family Limit Incorrect for 2025 Tax Year? in Get your taxes done using TurboTax

HSA Family Limit Incorrect for 2025 Tax Year?

user17715061408 — Thu, 19 Feb 2026 13:05:45 GMT

The family HSA contribution limit seems to be the individual amount. It should be $8,550 instead of $4,300.

Re: HSA Family Limit Incorrect for 2025 Tax Year?

BillM223 — Thu, 19 Feb 2026 16:48:51 GMT

The Family HSA contribution limit is indeed $8,550, and TurboTax uses this amount.

Why do you think that TurboTax uses $4,300? More detail, please.

Re: HSA Family Limit Incorrect for 2025 Tax Year?

Mike9241 — Thu, 19 Feb 2026 17:06:35 GMT

To get the HSA form to show the Family limit, you must check that you were covered by a Family HDHP for that month. If you are married and you spouse had qualifying family coverage, you are deemed to have qualifying family coverage. If both have separate family coverage, both must have qualifying family coverage

Minimum annual deductible of $3,300. Maximum out-of-pocket, excluding premiums, of $16,600

Re: HSA Family Limit Incorrect for 2025 Tax Year?

user17715061408 — Thu, 19 Feb 2026 20:25:22 GMT

My spouse was a "Self only" plan.

My plan was "Family plan". When I have more than $4300 for contributions, I get a message that we had excess HSA contributions.

Re: HSA Family Limit Incorrect for 2025 Tax Year?

dmertz — Fri, 20 Feb 2026 14:03:55 GMT

Under these circumstances you are both treated as having family HDHP coverage. The sum of your contributions and your spouse's contributions is not permitted to exceed the family limit of $8,550.

Re: HSA Family Limit Incorrect for 2025 Tax Year?

jameschunwu — Tue, 03 Mar 2026 21:53:20 GMT

I have my individual plan ($4300 max) while my wife has family plan with my son ($8550 max), our HSA max would be $8550+4300 right since we are on separate plans?

Re: HSA Family Limit Incorrect for 2025 Tax Year?

dmertz — Tue, 03 Mar 2026 22:57:39 GMT

@jameschunwu , no. Your combined contributions are subject to the family limit of $8,550 for 2025.