Yes, if your HSA custodian is game, you can change things to withdraw the excess this year (before April 15th). NOTE: you have to tell TurboTax that you are withdrawing the excess in the HSA interview, so that it won't create form 5329 which is where the 6% penalty appears.
So, yes, this would be less out of pocket.
If you are forced to carryover some amount, then, yes, make sure that you leave space under your HSA contribution limit for the amount carried over. Otherwise, you may just create a new excess amount, which will be harder to fix.
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