The good news is that we can get rid of the 6% penalty, but we need to fill our form 8889 correctly. We need to ask some questions first:
1. How much did she contribute to her her HSA for 2021? And for 2022? Did she contribute anything in 2022 for 2021?
2. Did she have Self-only HDHP coverage in Jan 2022? How about in 2021?
3. When did she stop the HDHP coverage in April 2022? Was it after April 1st? (It makes a big difference).
4. On her 2021 return, did TurboTax tell her that she had excess contributions? If so, were they withdrawn by April 15, 2022?
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