The HSA account is under my wife. She is older than 55, I am not. Turbotax is entering the amount on line 3, even though it states eligibility under 55. Any ideas?

[Hal_Al]

TT asks you to identify the HSA as yours or your spouse's. Go back to the beginning of the HSA interview and verify your entry.

[BMcCalpin · Accepted solution]

If I understand you correctly, you are referring to the 8889 for your wife's HSA, and you are concerned that the number being entered on line 3 of the 8889 is either $3,450 or $6,900 (depending on whether her HDHP coverage is Self-only or Family), despite the fact that she is 55 or older.

Where is the $1,000 bump?

The language on the form is confusing. If your spouse has Family coverage, it will be reported this way (the bump added on line 7 instead of line 3), but if your spouse had Self-only coverage, then the $1,000 bump will be added on line 3 and line 7 will be blank. Check the instructions on page 4 of the IRS form 8889 Instructions (https://www.irs.gov/pub/irs-pdf/i8889.pdf) very carefully - this is really the way they read.

In either case, line 8 is correct, showing the actual annual HSA contribution limit (presumably $4450 or $7900).

On the other hand, if this is not what you were referring to, then perhaps Hal_Al is right and you need to make sure that the HSA is assigned to the correct owner.

[Edited 3/8/2019 1:04 PM CST]

[Edited 3/20/2020 2:55 pm CDT - Note: in 2019, Self-only limit is $3,500 and Family limit is $7,000]

[BMcCalpin]

I edited the answer to reflect the combination of the answer and my comment.