1099-SA Gross Distribution is reducing my refund? And, I am selecting the distribution expenses medical only

Working through Turbo Tax 2024 Federal Taxes in wages & income 1099-SA (Distributions from HSA) and having challenges.  When I enter 1099-SA info (1) Gross Distribution ($4,928) (2) Normal Distribution, my refund goes down $1,629 (Fed + State combined) and I work through all the questions and enter all these expenses are Qualified Medical Espenses and my refund only comes back up $114 still reducing my refund $1,515.  This doesn't make sense as it's my understanding I shouldn't be taxed on HSA distributions if all the distributions go toward qualified medical expenses?  I also googled this and it says it will all come back when you click the medical expense box and it didn't it only came back a little?  I tried backing this out and going over several times?

Is this a Turbo Tax issue? I appreciate your help!