Both spouses contributing to HSA: how do you determine the total contribution limit?

[sjlee0]

For 2024, for the first 9 months, my spouse contributed to her HSA (along with a family HDHP) for the amount of $5,810. Then for the last 3 months, I contributed to my HSA for $3,389, with a total contribution of $9,199. I am over the catch-up age (55); my spouse is not. And I know that the 2024 contribution limit is $8,300 and $9,300 for those over the catch-up age. In this mixed scenario, what is the total contribution limit? When I enter my data in TurboTax, it says we are $20 over the limit (excess contribution). I'm just not sure how that number is derived. Also, if this is correct, from whose account should the excess contribution be withdrawn or does it matter? Thanks.

[NCperson · Accepted solution]

@sjlee0 how many months of the year was your spouse covered by an HDHP? how many months of the year were you covered by an HDHP?   

The total contribution limit for the year is dependent on the asnwer to these questions.  if the answer is "12" for both of you, then the contribute limit is indeed $9300.  Since TT is saying you overcontributed, I suspect how many months you told TT you and your spouse were covered may not be accurate.  Hard to tell without the answer to the two questions above. 

I am not asking in what months who contributed what (you already explained that but that doesn't impact the yearly limit).