Question

TurboTax keeps saying we made excess contributions to HSA. How do I override and move forward?

Forum|Forum|1 year ago
March 9, 2025
1 reply
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My husband's self- plan HSA changed to family-plan last 3 months which is prorated higher. He stayed well within the max contribution. I think Turbotax is confusion my own self-pay with his family plan.

B

BillM223

No, what is confusing is the rules by which the annual HSA contribution limit is calculated.

Please explain why "self-pay" means. Did you also have HDHP coverage under a Self-only HDHP policy?

I can't be sure, but it may be that when your spouse went on Family coverage, that you two did not realize that your Self-only policy stopped counting for determining the annual HSA contribution limit.

That is, when you go on to a Family HDHP plan, then the two spouses share the (in 2024) $8,300 limit. It is NOT that one spouse gets $8,300 and the other gets $4,150.

Please let us know if you stayed under your own HDHP Self-only plan.

If you did not, then please tell us your details: what kind of HDHP plan, how many months, which months, and how much you two (and any one else) contributed.

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