HSA and switching to medicare midyear

[lefty38]

Prior to joining my medicare in Nov 2023 - my wife and I were on my employers HDHP and a HSA family plan.
In nov 2023 David went to medicare and my wife stayed on to that HDHP/HSA through my employer
2023 tax year, we contributed 10 months of the family rate + 2 months of her individual rate
2024 tax year we contributed 12 months her individual rate and 55+ extra
now in 2025 she became eligible for Medicare July 2025.
Turbotax (desktop) is asking 
"Select the health-related accounts you had in 2025"
Select David's health-related accounts:
Question is this still David's HSA I got when I retired and moved to medicare ?  
my name is listed on the recipient's name on 1099-SA
Question - T.T. asks -> Let's enter David's HSA contributions ,
Contributions David personally made (not through your employer)
we contributed $2650 to my Davids HSA  (Single max HSA = $4300 + $1000 (55+_age) = $5300
$5300 / 12 = $441.67 (Per month) x 6 months = $2650
Question - T.T. ->  Treats this HSA as my HSA but not sure if I should switch it to my wife's 6 months of  HDHP/HSA to clear the over  contribution of $2650
Not sure what to do 

[lefty38]

Anyone?
do I need to clarify my question?

[BillM223 · Accepted solution]

If you had any contributions to or distributions from your HSA, you still tell TurboTax that you have an HSA in the Tell us about your Health Accounts screen. If you received a 1099-SA, then you have to tell TurboTax that you have an HSA, so that in the HSA interview, you will have the opportunity to enter the 1099-SA. You do this, even though your HSA may no longer have any money in it, and because to Medicare, you can no longer contribute to it.

However, even though you have told TurboTax that you (David) have an HSA, as you know, you can no longer contribute to it. Therefore, when you see screens like "Let's enter [David]'s HSA contributions", you will just continue past it.

"we contributed $2650 to my Davids HSA  (Single max HSA = $4300 + $1000" - I do not understand this question. David's wife was eligible for contributing to the HSA for half the year. David had long since gone on Medicare, and David's wife went on Medicare in July 2025.

"Treats this HSA as my HSA but not sure if I should switch it to my wife's 6 months of  HDHP/HSA to clear the over  contribution of $2650"- Are you saying that TurboTax told you that you had excess contributions of $2,650?

OK, because it is not clear to me what is actually happening, please go to the end of the HSA interview to the screen called the HSA Summary. There should be 6 rows (starting with Deductions) and two columns (one for each spouse).

Please give me the descriptions for each row and the values for each column.

[Opus 17]

An HSA is an individual account, there are no joint HSAs.

After Adam goes on Medicare, all contributions to Adam's HSA must stop.  Adam's spouse Betty can contribute to a different HSA in Betty's name, but she can't contribute to Adam's HSA.  If Betty does not have an HSA established as an employee benefit, she can open an HSA at any private bank that offers them.

If you have continued to contribute to Adams's HSA then all your 2024 and 2025 contributions are excess and you need to fix that, by a combination of amended tax returns and removing the excess with a couple of different procedures.  Please clarify if that is the case.

If Betty has been contributing to Betty's HSA, then you will run the HSA interview twice.  For Adam you will say that Adam was not covered by any HDHP for all of 2025, and for Betty you will say that Betty was covered by a qualifying HDHP for 6 months --family or single as the case may be) and none (no qualifying plan) for the other 6 months.