Similar circumstance: I have had an HDHP/HSA for the past several years. I applied in January 2026 for SS Retirement Benefits to start in April 2026 which automatically enrolled me in Medicare Part A retroactively to July 2025. When I completed the "What type of plan" questions to reflect "Medicare" for July through December 2025 I then had to provide information from my 2024 tax form with the same set of questions even though I was legitimately covered by the HDHP/HSA for all of 2024. Why was that needed?
As test I'm going to kludge up a "fake" 1099-SA pretending I withdrew the excess on December 31, 2025 and compare TurboTax's calculated Federal refund to that amount from the "What type of plan" questions. I'm presuming that should show the same - or close to the same - reduction in my Federal refund; is that a correction presumption?
