If both spouses had separate Health Savings Accounts (HSAs) and were covered under a family HDHP (High Deductible Health Plan), you'll need to enter information from both Forms 1099-SA and Forms 5498-SA on each spouse's HSA entry.
For each spouse's HSA:
- Combine and enter the total distributions from both Forms 1099-SA.
- Combine and enter the total contributions from both Forms 5498-SA.
- Combine and enter any adjustments, if applicable.
- Select Family Plan as the coverage type on both HSA entries.
On one of the HSA entries, indicate that the taxpayer and spouse had separate HSAs. This tells the program to use only that family-plan entry when calculating the maximum allowable HSA deduction and contribution limit.