When completing the HSA section, it asks for information on monthly hdhp coverage for 2024.... why does it care about 2024 and not 2025 when these are 2025 taxes?

Forum|Forum|6 months ago
January 15, 2026
1 reply
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i also noticed that no matter how many times i click "start" and go through the whole process, that the hsa section is labeled with a "not started" tag. Also, the sub-header for the section says "form 5498" which i have, but am never prompted for.

TurboTax Online

BillM223

Level 15

There is a situation in which TurboTax legitimately asks for information on the prior year (2024 in your case), This is when you used the last-month rule in the prior year (i.e. 2024), yet failed to maintain HDHP coverage for the entire current year (i.e. 2025). If this is your situation, then TurboTax needs to know what kind of HDHP coverage you had in 2024 as well as what HSA contributions you made in 2024.

However, it is not at all clear that this is your situation.

1. Are you using the Online TurboTax product or the desktop version?

2. Can you tell us the question(s) TurboTax is asking about 2024 (a screenshot attached here would be nice if possible)?

P.S. Don't worry about references to form 5498. You are not actually asked any questions about this form.

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hobbes70

Level 2

I'm noticing the same thing as the original poster. I'm using the downloaded TurboTax software.

On the question "What type of HDHP coverage did you have during 2025?", I selected "Self only plan every month of the year". The next screen then has drop-downs for each month where you can select a plan (not sure why this is even needed, as I said I was covered every month by self-only), but the title bar says "Let's review what type of coverage you had in 2024".

If I instead choose "I had different coverage at different times", instead of self-only, then I get the same drop-downs but the title says "Let's maximize your contribution limit" and the description correctly refers to 2025 coverage. If I choose "Family plan" on the prior screen, I get the same 2024 reference as for "self-only".

I'm also noticing that even after I complete the section, on the "Deductions & Credits" tab, TurboTax still says "available now" for the 1099-SA, HSA, MSA item, instead of showing the value I entered. It adjusted my refund though, so looks like it accepted the numbers. The Charity and Sales Tax items also just say "available now" instead of showing the numbers I entered.

BillM223

Level 15

Please let me know if the following is true on your return?

1. You did not have HDHP coverage all twelve months of 2025,

2. You answered the question "What type of HDHP coverage did you have on December 1, 2024?" with "Self" or "Family".

In this situation, you are put into the last-month rule portion of the interview, in which you will be asked about your contributions in 2024 as well as about your HDHP coverage in 2024. This is done in order to calculate what your HDHP limit would have been without the last-month rule in 2024.

So tell me if statements #1 and #2 above are true, and we can continue from there.

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