No, you are not stuck now.
You can cure a long-term excess (my term for excess not withdrawn by the due date, which would be short-term) at any time after the original year by taking a distribution and then entering it in the 1099-SA as not for medical expenses. TurboTax will see this, and if the non-qualified medical expenses are greater than or equal to the long-term excess, then the long-term excess will be wiped out (on form 5329). Of course, the long-term excess will be added to your income as well as a 20% penalty, but that will be the last you will see of that carryover and that 6%.
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