HSA Max Contribution bug??

kj-otoro · ‎April 09, 2026

My wife and I were under her company's family HDHP in 2025. She had it from Jan to end of Nov and I had it from Jan to end of July. Everything I read says that our max contribution is the prorated rate of $8550 x (11/12) = 7838. Her company contributed to her HSA $1167 which leaves us with $6671.

However when I try to enter $6671 as my 2025 contribution and $0 for my wife, TurboTax says my limit is $4988 (the prorated amount for 7 months Jan to July) and I have an excess of $1683. If I enter $6671 for my wife and $0 for my contribution it doesn't say we have an excess. I keep reading that the max contribution can be split between the spouses in any ratio.

Can someone explain to me why TurboTax won't let me contribute the whole max amount under my contribution?

Thanks in advance!

Mike9241

since she had family coverage from 1/1-11/30 on your TurboTax 8889 you must indicate you had family coverage for every month from January through November. I am assuming you had no disqualifying coverage that covered her after July.

I'm almost certain the reason you are having this issue is that you indicated on your 8889 that you only had family coverage through July.

The rules do say if one spouse has family coverage, both spouses are treated as having family coverage. However, if you were covered by a non-HDHP after July, the HSA limitation for you is 7/12 of 8550. Her family coverage is irrelevant in this case. So if you were not covered by a non-HDHP after July, you must check family coverage for Aug - Nov on your 8889

dmertz

The total permissible contribution between you and your your wife is $7,838. However, your contribution to your own HSA is limited to $4,988 based on your 7 months months of eligibility. The remaining $2,850 of the overall contribution limit would have to be contributed by your wife to your wife's HSA. With your wife's employer having already contributed $1,167 on behalf of your wife and you having contributed $4,988 to your own HSA, that leaves $1,683 that can be contributed to your wife's HSA without exceeding contribution limits.

Alternatively, the entire $7,838 contribution limit could be allocated to your wife, so she could make a $6,671 additional contribution to her HSA if you contribute $0 to your HSA.