The reason TurboTax asks if some of your HSA deposits went to your spouse is because of excess contributions. Married couples are treated as one single tax unit, so they can share only one family HSA contribution limit. In 2020, that limit is $7,100
The IRS gives married couples three options:
- Spouses can split the family contribution evenly
- They can allocate it unevenly, according to a division they both agree upon
- 100% of the contributions can go into one spouse’s account.
For more information, please see IRS Publication 969.
The amount you or any other person can contribute to your HSA depends on the type of HDHP coverage you have, your age, the date you become an eligible individual, and the date you cease to be an eligible individual. For 2020, if you have self-only HDHP coverage, you can contribute up to $3,550. If you have family HDHP coverage, you can contribute up to $7,100.
For 2021, if you have self-only HDHP coverage, you can contribute up to $3,600. If you have family HDHP coverage, you can contribute up to $7,200
