qbteachmt
Level 15

None of the info is New? You mean, not new to you? Because you stated things that are incorrect, and that topic I linked helps explain some of those things you have gotten wrong.

Having separate HSA accounts has nothing to do with what you asked. That isn't your problem with what is happening.

You described $9,000, here: "Total contributed by TP to TP employer-sponsored plan is, therefore, $8000.

Sp opened and funded separate HSA with the separate custodian for $1000."

and here:

"both 55 is now $9,000 ($7000 normal for family, $1000 catch up for TP, $1000 catch-up for SP)"

And that's wrong. That's $1,000 too much. You can read more info, or do a simple web search, to see the limits. Examples:

https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/2019-hsa-contribution-limits-rise-ir...

https://www.irs.gov/pub/irs-drop/rp-18-30.pdf

6% penalty is why you see $60.

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