Q1 - yes
Q2 - good
Q3 - OK
Q4 - OK
Q5 - correct
Q6 - "For HDHP Type, I said "Family"" Where did you say this? When you see "What type of HDHP coverage did [name] have during 2025?" - you should have answered "[name] had different plan types at different times of the year". It sounds like you answered "Family" for every month of the year?
Q7 - correct...
I don't why the 8889-T has "Family" for all months...Sep-Dec should have Medicare/None.
excess contributions - This should apply to your current year contributions. I am concerned that you did not get a message about excess contributions for 2025. I see that you should have had an HSA contribution limit of $7,162.50 after prorating the Family plan and you being 55 or over. Did you contribute more than that?
Your initial question was how much should you withdraw because you were on Medicare the last three months. As I answered, you should not withdraw anything until TurboTax detects your excess contributions, at which point, TurboTax will tell you what the excess is. That would be the amount of excess that you would withdraw.
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