When you saw the question in the HSA interview, "Did you overfund your HSA last year?", how did you answer?
If you withdraw the excess contributions in a timely manner (before the due date of the return), then you answer "NO".
Why? Because the question really wants to know "Did you CARRY OVER any excess contributions?"
If you withdrew the excess in a timely manner, then you "cured" the excess and so should answer "NO".
If you answer Yes by mistake, then your next year's HSA contributions are also going to be in excess if you contributed the full amount.
If you indeed answered yes by mistake every year and entered the amount of the excess, then you should consider consider amending 2016, 2017, and 2018 to remove those penalties.
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