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Thanks, Marilyn. I could have given a bit more information, but don't know if it changes anything. I've got W-2 income from a different employer for part time work. I've got several 1099's for pensions. Six figure taxable income. But my former employer contributes to my HSA, so I've got a W-2 with zero in box 1 and a dollar figure in box 12 (code W). I definitely am required to file a return. But that darn W-2 with zero in box 1 is preventing me from e-filing. I've read where some suggest entering $1 in Turbo Tax for Box 1 but I don't want that to trigger action due to my return not matching the actual W-2.  As a result, I've also read where some say it's ok to do this (add the $1 in box 1 in Turbo Tax) and others say to not do it for the reason I mentioned above.  Am trying to find a dependable answer.