Skip to main content
February 6, 2025
Question

I had a HDHP for me and dependents and my husband had a HDHP for self-only. We both contributed to an HSA. Why are his contributions being considered excess?

  • February 6, 2025
  • 1 reply
  • 0 views
No text available

    1 reply

    February 6, 2025

    I can't see your private tax data, but the most common thing in your situation is that you contributed based on the Family HSA limit of $8,300 and your spouse contributed on the Self-only limit of $4,150.

     

    HOWEVER, the Family limit covers both spouses - that is, they share the Family limit of $8,300, allocated between the two in any way that they agree to. Your limit for both spouses is $8,300, not 8,300 plus 4,150.

     

    If you both maxed out your contributions, and your excess was about $4,150, then this is the problem.

     

    If you have the money in your HSA(s), withdraw the excess before April 15, 2025 - this is the best way to handle the situation.

    **Say "Thanks" by clicking the thumb icon in a post**Mark the post that answers your question by clicking on "Mark as Best Answer"