You initially stated "in 2017 removed the excess amount for both 2016 and 2017. " Now you appear to be saying "in 2018 removed the excess amount for both 2016 and 2017. " Which is it?
OK, you made excess contributions in 2016, right? (let's take this one year at a one) You discovered this as you were doing your 2016 tax return in early 2017, right?
When you were told by TurboTax that for your 2016 tax return, you had made an excess contribution, TurboTax asked you how much of the excess you would withdraw by the due date of the return (April 18, 2017).
How much of the excess did you tell TurboTax you would withdraw?
How much did you actually withdraw before the due date of the return?
Then, in early 2018 when you were doing your 2017 return, you saw the question in the HSA interview "Did you overfund your HSA last year?" What did you answer? If you withdrew all of the excess before the due date of the return, then you should have answered "NO" because the question is really asking if you carried over any excess, not did you have an excess that you "cured" by withdrawing it.
OK, let's stop here and answer these questions. Let's don't get ahead of ourselves and try to solve 2018-2020 if we are not sure what happened in 2016 and 2017.
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