I take it that you have the CD/download version of TurboTax, and that you are making manual entries on the 8889. Is that right? Why aren't you going the step-by-step (what I call the interview), and let TurboTax fill in the forms?
"His reasoning line 9 is zero because "the premiums come out of my check, pre-tax."
My reasoning is that instructions for line 9 state, "These contributions should be shown in box 12 of form W-2 with code W.""
If you two are betting money, you just won the bet. Line 9 on the 8889 is for any contributions that went through the employer, whether the employer contributed it or the taxpayer did by payroll deduction. So you are right, that the amount on line 9 should match the code W amount on your W-2.
You don't say where this $500 came from (other than 1099-SA). Was it an excess contribution from 2021?
"The "contribution" was shifted from 2021 to 2022." This sounds like it was rolled over from 2021 to 2022. Was it? And you were dinged 6% on this $500? right?
"a form from the financial institution, "Return of Excess Contribution" chose A, "redeposit full amount of excess contribution made in prior year plus earnings back into this HSA as a contribution for the current year" doing so before the tax filing due date." This is a strange feature, you don't need to file this form unless you want to undo last year's withdrawal. You could have done nothing and the excess would have carried over and been applied to next year.
Again, are you filling in this form by hand? Why? Even many tax professionals have difficulty with the 8889.
Why don't you tell me what your situation is: how many HSA's, how old each of you are, how much you contributed through a W-2 and how much directly to the HSA, what your HDHP coverage was (Family, Self), was anybody on Medicare?. Did you have any carryovers of excess HSA contributions? and so on...in short, all the questions in the interview.
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