Get your taxes done using TurboTax

OK, there are two possible issues.

First, did you see a question that asked "What type of High Deductible Health Plan (HDHP) did [name] have on December 1, 2018?"

If so, then if you did not have an HSA in 2018 or did not contribution to the HSA in 2018, please answer "None" - this question does to apply to you.

Second, did you see a question in the Federal Review asking you what kind of HDHP coverage did you have so you can enter it on line 1 of the 8889? If so, then please indicate "Self". Why? Because you indicated that you did not have any HDHP coverage for the year back in the HSA interview, so TurboTax is wondering why you have an 8889 but didn't indicate what kind of coverage you had.

Just answer "Self" in this case, because line 3 will show an annual HSA contribution limit of zero, which will nullify the Self on line 1.

Problems with line 12 are generally the result of an excess contribution withdrawn amount persisting - that is, even after you change the circumstances, TurboTax remembers that you withdrew this excess. That is why I asked you to delete all your HSA information and start over again. This is the only way to clear it.

To sum up, based on what I have heard so far, after you delete all the HSA information and start the HSA interview over again, you should say

1. that you had an HSA (just be be able to enter the HSA interview),
2. that at no time did you have HDHP coverage in 2019
3. that you will agree to withdraw all the contributions made in 2019 (if the money is in the HSA - it will be better for you if you can),
4. if you see the question about December 1, 2018, just answer "None".
5. If in the Federal Review, if you are asked to indicate Self or Family on line 1, just check Self because it won't matter and it will get you through the review.

Did I get your situation right?