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Hi, my name is Mark. I will be happy to help you with your questions. What kind of HSA plan did your wife have? Was it a single plan or a family plan?
The HSA contribution limits for a single plan is $3350 in 2015. If your wife was older than 55 in 2015 the limit increases to $4,350.
Is the Administrator saying they cannot apply anything to 2015?
The limits for 2016 are the same.
That is terrible. You would think they would be accountable for their error.
So the HSA limit for 2016 is $4,350. The excess would be $5,150 ($9500 less $4,350). There may be some earnings too that would need to be withdrawn (that were attributed to this excess).
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You would have 60 days to return the excess. The $9,500 would have been reported as a distribution in 2015. Depending on your earned income, AGI, and if you are your wife are covered by a qualified plan you may be eligible to contribute to a IRA of up to $6,500. Did you have any earned income? Approximately what will be your AGI? Are you or your wife covered through a retirement plan with an employee?