Did you get an explicit message from TurboTax in the HSA interview that you had excess contributions? It's hard to miss.
I can't be sure but are you saying that you did not carry over any excess contributions from a previous year, nor made any contributions in 2024? If so, what do you mean by "I suspect turbotax considers this is overfunded."?
OK, when did TurboTax ask you about the value of your HSA at the end of the year. One place is when you have excess HSA contributions and wants to assess a 6% penalty on the carryover (the penalty if 6% of the smaller of the carryover or the amount in the HSA at the end of the year). The other place might be if you were asked if the lapse in HDHP coverage was because of disability.
The first case is far more common, but I can't imagine why entering your HSA year-end account balance would increase your amount due.
Let's work on your "overfunded", because I can't see how you could be overfunded if you didn't contribute anything.
Can you tell me more about your situation?
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