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02-28-2018 02:54 PM
I have a high qualified deductible health plan
I have parent and children coverage. I make contributions to my HSA account and so does my employer.
My husband is employed elsewhere and has single coverage on a HQDHP. His employer makes a contribution to his HSA, he does not make a contribution.
My HSA account had $4700.00 contributed to it in 2017.
My husband’s HSA account had $700.00 total contributed to it by employer in 2017.
Our total HSA amount is $5400.00.
We are not 55 years of age.
I am getting an error telling me we have contributed over the amount and will be penalized. I thought a husband and wife could agree on how to split the amount contributed to an HSA?
02-28-2018 04:04 PM
One thing that may be causing this issue is that when one spouse has family HDHP coverage and the other spouse has self HDHP coverage, the BOTH spouses must declare family HDHP coverage on their respective Forms 8889 (in order for the limit to compute correctly). Make sure you have done that and see if it fixes the problem.
03-02-2018 06:08 PM - edited 03-02-2018 06:08 PM
$825 is a strange amount based on your 2017 contribution of $5400. Any chance you have excess contributions from 2016 that were not withdrawn?
03-05-2018 07:45 AM
No, this is my first year with an HSA.
They are saying I over-contributed by $825 because they are splitting the maximum 2017 contribution as 50/50. We have read various places the husband and wife can agree and determine how they want to split, but it doesn't seem the H & R Block software is allowing/accounting for that.