HSA Contributions for mid year marriage. We both have HSA accounts

[user17736722718]

My wife and I were married end of June 2025.

We both were on separate HDHP Family Plans with separate HSA accounts.

Since the marriage was mid-year, I'd expect to be able to adjust the HSA contribution limit to account for the 6months we were single.  Instead of $8550, I should be able to use $12825.

Jan-June ->  $8550 * 6/12 = $4275 each

July-Dec  -> $8550 * 6/12  = $4275 together 

Total Limit = $4275 + $4275 + $4275 = $12825

Is there a method to adjust this in TurboTax Premier?

[BillM223]

No, I imagine TurboTax did it correctly.

Did TurboTax end up showing an annual HSA contribution limit in your case of $8,575?

Please look at the instructions for Line 6 on page 7 in the instructions for the 8889. 

In essence, the calculation is this: $4,300 times 2 (subtotal of $8,600) for each of the 6 months that you each had Self-only coverage, plus $8,550 for each of the six months you shared Family coverage, all divided by 12.

((8,600*6) + (8,550*6))/12 = (51,600+51,300)/12 = 8,575.

The first line of the calculation (Jan-June ->  $8550 * 6/12 = $4275 each) actually should have been 2 times 4,300 or 8,600. And when you entered the $4,275 twice into the Total limit, you duplicated the coverage again. That is, you could report both spouses on the Jan-June line or both spouses on the Total Limit line, but not both (which is how you got to 12k+). 

[user17736722718]

No TT gives me the family max of $8550 only.

I've reviewed the instructions for form 8889 extensively.

Neither of us had self coverage, we both had family coverage before we were married.

So the calculation you provided would work out to the following:
((($8550 * 2) * 6) + (8550 * 6)) / 12 =  (102,600 + 51300) / 12 = 12825

And this is the value I'm expecting to see. 

I didn't see a way to create the 102,600 value above in TT.  The tool doesn't want to let me adjust/change the dollar amounts nor does it let me put in a marriage date, in either interview mode or form mode.

[BillM223]

Sorry, I missed the Family plan in the second line.

However, I have to ask with whom were each of you sharing the Family plans prior to your marriage? That is, did you have a spouse to share the plan with, in which case, the 8,550 for each month would need to be limited by the amount you shared with the other spouse.

I suppose in your case, that each of you might have had dependents (but no spouse) so had Family plans in Jan - June. Is that correct? It would be unusual, but possible. Please let me know while I research your calculation again.

[user17736722718]

Your second statement is the correct one.

I was on a family plan with my children and my wife was on a family plan with her children.  No other spouses in these plans.

[Mike9241]

nope the family maximum is $8550 is combined for both of you, despite being married during the year. Basically, you're considered married for the whole year.

[user17736722718]

I don't believe this is true.  Much of the data I've found says otherwise.  

I believe the HSA limit is calculated using the monthly eligibility rule based on status at the 1st of each month.  Since we weren't married for 6 of those months and had our own family HDHP plans, we'd each have our own limits during that time.

[user17736722718]

Hi Bill 

Any luck researching the equation or how to make TurboTax follow this math?

[DavidD66]

According to IRS Publication 969:

...if you weren’t an eligible individual for the entire year or changed your coverage during the year, your contribution limit is the greater of:

The limitation shown on the Line 3 Limitation Chart and Worksheet in the Instructions for Form 8889, Health Savings Accounts (HSAs); or

The maximum annual HSA contribution based on your HDHP coverage (self-only or family) on the first day of the last month of your tax year.

Tip: If you had family HDHP coverage on the first day of the last month of your tax year, your contribution limit for 2025 is $8,550 even if you changed coverage during the year.

I read this to mean you cannot contribute more than $8,550 combined, if you were under age 55.  Moreover, I cannot figure out any way to get TurboTax (Desktop or Online) to allow the greater deduction amount if you did contribute more than that.