the way to do this in Turbotax is to complete the HSA form 8889 and indicate that for each month you had no HDHP (this is what to use in all situations such as having an FSA or being on Medicare or just simply not having just a HDHP). this will result in the contribution being add to taxable income. do not mess with the w-2. you had until the due date if the return to withdraw the excess and earnings thereon. if not done the lower of the a/c Fair Market value on 12/31/2021 or the excess contribution is subject to a six percent penalty using form 5329.
penalties will be imposed every year until the excess is removed or used.
