HSA Contributions High-Deductible Plan Participation - Self/Spouse

[leslieannesimmons]

Facts:  My husband I I were covered under my employer's high-deductible plan through February 2024, the point in which I retired from that position.  At that time, we switched to my husband's insurance and were covered by a high-deductible plan for March - December 2024 provided by his employer.   My 2024 W-2 (for earnings through February 2024) reflects employer contributions of $4,000 to my HSA (Box 12C - Code W).  My husband's 2024 W-2 reflects $3,725 for contributions to his HSA contributions under the high-deductible family plan that we were covered under for March - December 2024. 

Since we were covered for the entire year under a high-deductible plan (albeit two different plans provided coverage for the entire 12-month period), is our HSA limit based on our total contributions?  Meaning, if the HSA limit for was $8,300 for a family, I don't believe we had excess contributions (jointly) was $7,725 and our family was covered under a high-deductible plan for all of the 2025 tax year. 

Is this correct and, specifically with regard to TurboTax inputs, should I be selecting "Family Plan Coverage" for all twelve months of 2024 under both of our names?     

[BillM223]

If the policy coverage that you had was a Family plan for you from both the HDHP policies, then you had Family HDHP coverage the entire year.

Think of it as a virtual HDHP policy - it doesn't matter if you had more than one policy, in each month of the year, you had Family coverage.

The $8,300 annual HSA contribution limit is shared between the two of you for each month of the year.

Unless you had an HSA contribution carryover from 2023, your $7,725 in contributions would not be in excess for 2024.

Did TurboTax tell you differently?

[Opus 17]

The question is, how were you covered, not who owned the plan.   If you were covered by a family plan for the whole year (and no "other" non-HDHP coverage) you would answer that way, even though it was 2 different plans.  I believe your spouse must also answer the same questions in their own name, the same principle applies.

And, if either one of you is age 55 or older, you get a $1000 additional catch-up contribution, if you wanted to contribute more by April 15 and take a tax deduction.