topic If I my W2 has an HSA contribution of $4750 and I contributed an additional 550 for a correct total of 5300 (I am 62), why does TurboTax show I paid an excess of $50? in Deductions & credits

If I my W2 has an HSA contribution of $4750 and I contributed an additional 550 for a correct total of 5300 (I am 62), why does TurboTax show I paid an excess of $50?

ct-lz-miller — Wed, 18 Feb 2026 01:49:25 GMT

The values appearing on my 5498-SA are box 2 $4749.96 (matches box 12 on W2) and box 3 $550.04.

Re: If I my W2 has an HSA contribution of $4750 and I contributed an additional 550 for a correct...

MarilynG1 — Wed, 18 Feb 2026 04:06:24 GMT

You don't need to enter the 5498-SA in TurboTax. It's for your information only. The 'excess contribution' message usually occurs when you enter the amount that was on your W-2 in the HSA section again. It will be carried over from your W-2 entry, so you would only enter your $550 additional contribution in this section.

You can step through the HSA interview again to check your entries.

@ct-lz-miller

Re: If I my W2 has an HSA contribution of $4750 and I contributed an additional 550 for a correct total of 5300 (I am 62), why does TurboTax show I paid an excess of $50?

dmertz — Wed, 18 Feb 2026 14:54:46 GMT

Are you married, you or your spouse has family HDHP coverage and your spouse contributed $4,300 ($5,300 if over age 50)? If so, you are subject to the family contribution limit and you've exceeded the family limit by $50. The family limit without catch-up is $8,550, $50 less than twice the $4,300 self-only limit.

Re: If I my W2 has an HSA contribution of $4750 and I contributed an additional 550 for a correct total of 5300 (I am 62), why does TurboTax show I paid an excess of $50?

ct-lz-miller — Thu, 19 Feb 2026 03:07:21 GMT

Thank you dmertz for your quick response!

Both my wife and I are over 55 and we each have our own separate Self-only policies with HDHP. Our Total Household Limit is 10,600. I found where I incorrectly selected the wrong option for my wife and it no longer shows an excess payment.