Husband and wife each have a plan at their own employer. The husband covers only himself, contributed $500 and employer did $250 for him. Wife has herself and 2 kids on family plan. She contributed $3,000 and the employer did $750. All through payroll deduct from each paycheck, evenly throughout the year. They are both under 50. 

I have the 5498 for the wife's plan, but husband hasn't received his yet. 

The message is saying that she over contributed.

Per the instructions, I have them both marked as having a family plan.