says overpayment of hsa when I didn't

[abaleva]

I didn't get form 1099-SA, only got 5498-SA, keeps on saying I overfunded but I didn't, don't know what to do!

[DMarkM1]

Usually the issue is double entry of the contribution amount from a W2 and individual contributions.  To check:

1.  Click "Income & Expenses" tab at the top of the page

2.  Find "1099-SA, HSA, MSA" 

3.  Click "Edit"  

4.  Click through the interview questions being sure that the HSA box for you is checked

5.  When you get to page titled "Let's enter XXX HSA contributions", be sure not to double enter the contributions. 

If the contributions are on your W2 and entered already, you should enter zero (0) in the box for "any contributions you made".

[abaleva]

I did all of that before I posted my question and did it again after this suggestion, same result-overpaid to my HSA! It’s pre-texted too because it’s the number from my W-2 and I entered zero for additional contribution, my husband’s contribution has no problem from his HSA, bottom line it’s the same glitch from last year’s software. It’s 2 different HSA accounts but is it counting as  both from the same family? He has family because of our 1 son and self for me.

[BillM223]

If I understand you correctly, you made the max contribution to your HSA while your spouse made the max contribution to his HSA.

You might think that because you have two separate HSAs that you have two separate limits, but you do not if one of the spouses is covered by Family HDHP coverage.

Because the two spouses share the Family limit, the aggregate contributions to both HSAs together is $7,000 (plus $1,00 for each spouse 55 or over).

You are not permitted to contribute $7,000 to your spouse's HSA while also contributing $3,500 to your own HSA.

This is not a glitch or an error on TurboTax's part; it is the way that the IRS defines it.

The IRS says, "Rules for married people. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family coverage under a separate plan, the contribution limit for 2018 is $6,900. You must reduce the limit on contributions, before taking into account any additional contributions, by the amount contributed to both spouses’ Archer MSAs. After that reduction, the contribution limit is split equally between the spouses unless you agree on a different division." See IRS Pub 969, page 6. (note the book is from 2018 so the numbers are old)