Good suggestion - thanks, but nothing changed. I deleted the 1099-R and saw my federal refund shrink considerably. I saved the file and exited TurboTax. I started TurboTax again and carefully added the 1099-R. I told TurboTax I cashed it out, it wasn't used for an HSA, it wasn't for disaster relief, etc. TurboTax suggests I'm still getting a giant refund, and box 2a in the 1099-R flowed to box 4a on the form 1040 but not box 4b hmm...
