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Thx.   I DO have a HSA balance, 12/31/23, maybe $1K.  Stopped HSA contributions as soon as I found out SSA auto-enrolled me (2/1/24)...which matches my SS$/Medicare start.   Already HAVE W2 for 2023.   Can I just go fwd with taxes from here and pay the 6% penalty?    Will turbotax ask/decide how much that is during the process?   I just want to be done without chasing a withdraw/new W2 which is a beating from my company and may take months.  🙂   It's just not much total $$...pay the 6% would be easier.   I just don't want to miss something and paint a target on myself.   Does that make sense?