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Hi BillM,

Thanks for your time and reply. 

We are doing paper filing.  That's why "choose a product"  "not a product question" was selected.  We're filing by hand because my husband is frugal, at times a tight wad.  He has hinted to get Turbotax software, and I'm hoping after this back and forth texting (including some all upper-case fonts on his part - shouting), that he gives in.  I have to ask him more questions as to what you pointed out, like whether the $500 was from 2021 to 2022, and whether we were dinged 6%. 

We are  60/64.  Employer HSA.  Family HDHP, not on Medicare.

And, more paper work, as I'm having to get him to send me the e-statements, which is why I don't like e-statements.  I'm missing part of the answers to my questions. So fun.

Regards and thank you.