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@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).
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