Get your taxes done using TurboTax

Aha! No wonder I was confused. No, you are not logged in as WST2. Oops. See this screen shot:

I might have been better in February, but in April we are in the Twilight Zone ;-).

1. "After 4/12 months, I go on Medicare" - what date exactly did you start Medicare? I ask because your coverage (HDHP , Medicare, whatever)  is whatever coverage you had on the first day of the month. This confuses people a lot. If your policy started on the 15th of the month, then your policy for the month was the policy for the previous month.

So your policy on May 14th was whatever it was on May 1st. I say this, because you may have had 5x12 months of HDHP coverage, not 4x12 months. I can't tell you which because I don't know which date you became covered.

2. "You said: On the 1099-SA, just answer that the amount that was for qualified medical expenses included the $175 (in my example above, this is 116), but I can't edit the 1099-SA."

You do it this way:

1. Go into the HSA interview.

2. Tell TurboTax that you took money out of the HSA (however it is phrased).

3. Enter the various fields from the 1099-SA.

4. On the fourth screen, "Did you spend your HSA money on medical expenses only?" - answer NO.

5. This will exposes two additional lines: "I spent part of it on medical expenses."

This allows you to choose what went for qualified medical expenses and what did not. So you would put the LTC premiums here, and the difference would be added to Other Income as well creating as a 20% penalty.