I assume that you are entering the HSA interview repeatedly. In the HSA interview, there is a screen that asks "Was [name] covered by a High Deductible Health Plan (HDHP) in 2025?" I assume that you answer "Yes", right?
Then, two screens later, you are asked, "What type of HDHP coverage did [name] have during 2025?"
What did you answer here? Different plan types at different times of the year? Checking this is likely to reset the HDHP coverage for each month until you enter it again.
When you close the return, happy with the HSA numbers, and then reopen it to see a different refund, where is the exact location that changes from time to time on the 1040? We need to determine exactly what is changing, because the month by month HDHP coverage is probably changing because you reopened the HSA interview.
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