No, you shouldn't add in the offset there. Because HSA distributions can be used as tax free payments for medical expenses, they must be subtracted from medical expenses that you are deducting on your tax return. TurboTax only knows that you paid Medicare premiums as medical expenses, and since those were the only medical expenses that you reported, the program has to assume that you used the HSA funds to offset the Medicare Premiums. What you can do is add in all your medical expenses that you had for 2025 in addition to the Medicare Premiums to Medical Expenses in the Deductions and Credits section of TurboTax. You may have some medicals expenses that you had that you didn't use the HSA to pay for that may increase your medical expense deduction.
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