topic Tech issue: HSA contribution miscalculating in Deductions & credits

Tech issue: HSA contribution miscalculating

car1234 — Tue, 03 Feb 2026 04:09:47 GMT

My 2025 employer and payroll contributions: $4,300 (self-plan)

Wife's 2025 employer and payroll contributions: 8,550 (half year self-plan, half year Family plan)

TurboTax is still saying we overpaid with excess contribution of $4,300, but it's not taking into account the Family plan for my wife.

It should not be saying we overpaid since my wife qualified for her family plan under her account.

How can I fix this? do we need to file separately?

Re: Tech issue: HSA contribution miscalculating

MindyB — Tue, 03 Feb 2026 04:25:35 GMT

No, filing separately will not fix the issue. The limit for both of you is $8,550. The maximum a married couple can contribute is $8,550, even if one of you had a family plan and the other had a self-plan. See IRS rules for married people here: Publication 969.

To avoid a the 6% excise tax penalty you should contact the HSA provider to withdraw the excess $4,300 (and earnings) before the tax filing deadline.

Re: Tech issue: HSA contribution miscalculating

Mike9241 — Tue, 03 Feb 2026 04:51:18 GMT

You misunderstand the contribution limit rule for a family. The max is $8550, split any way you want between the two of you. The excess + earnings will need to be withdrawn by 4/15/2026. Nrmally the max your spouse could contribute 1/2 year both types is $4300/2 + $8550/2 = $6425. However, there is a special rule that if a person is covered by a family plan on 12/1, they can make a full year's family plan contribution. That's how she was able to make the $8550 contribution

Since the contribution to her HSA was based on her being an eligible (family plan) individual for the entire
year under the last-month rule, she must remain an eligible individual (covered by a family plan) during the testing period. The testing period begins with the last month of your tax year and ends on the last day of the
12th month following that month (for example, December 1, 2025, through December 31, 2026). If she fails to remain an eligible individual (family plan) during the testing period, for reasons other than death or becoming disabled, she will have to include in income the total contributions made to her HSA that wouldn’t have been made except for the last-month rule. This amount is income in the year in which she fails to be an eligible
individual. This amount is also subject to a 10% additional tax. The income and additional tax are calculated on Form 8889, Part III.

You have the right to withdraw the excess from either plan; however, the safest approach would be to withdraw from her HSA. Thus, the last month rulle would not apply to her account.