OK, because you got the 1099-SA early this year, I assumed it was for 2023 (1099-SAs show normally a year later).
So when you went through the HSA interview in TurboTax for tax year 2024, and showed that your spouse's HDHP coverage ended in July, BUT, he had Medicare starting in January 1st? February 1st?, did TurboTax not tell you that you two had excess contributions? Did it tell you $1,713?
If so, and since this was done for the 2024 tax return, the excess contributions that came through your (his) employer should have been added back to Other Income (line 8f on Schedule 1 (1040)). Was it?
If not, there is something very off in what you are describing.
In any case, that is why the 1099-SA is not changing your income much - only the earnings are added to income with a distribution code of "2", because the excess contribution is added to income in a different way.
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