M filing jointly. Hubby has family HDHP all yr (W-2 W = 4500). I have self-only (W-2 W = 2600). Tot 7100 und family limit 8550. TurboTax says hubby overcontributed. Why?

savithagsunkar · ‎April 15, 2026

Married filing jointly. Husband has family HDHP all year (W-2 Code W = 4500). I have self-only HDHP (W-2 Code W = 2600). Total = 7100, under family limit 8550. TurboTax says husband overcontributed. No manual contributions. Why?

BillM223

Did you overcontribute in 2024 and carry over the excess to 2025? The excess in this case appears on line 2 of form 8889 as a "personal contribution" so that it can be applied to the 2025 tax year.

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savithagsunkar

It was my bad I entered the our contribution through employer in the personal contribution field which was tripping it

thank you for you response

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M filing jointly. Hubby has family HDHP all yr (W-2 W = 4500). I have self-only (W-2 W = 2600). Tot 7100 und family limit 8550. TurboTax says hubby overcontributed. Why?