Get your taxes done using TurboTax

Are you saying that you received a 1099-SA for distributions that you took in 2017 (that is, payments made for medical expenses)? If so, you have to file an 8889 with your return, which, as you know, requires TurboTax Deluxe.

However, if the only distributions in 2017 were from monthly maintenance fees, then the HSA administrator should not have sent you a 1099-SA, because the IRS says that these fees are not distributions. In this case, contact your HSA administrator and ask then to correct this (i.e., tell the IRS "nevermind" on the copy of the 1099-SA that the HSA administrator sent to the IRS). And in this case, you can go back to the Free edition (assuming everything else is equal).

As a reminder, if you made any real distributions from your HSA or you (or your employer) made any contributions to the HSA in 2017, you have to file the 8889, and use Deluxe. Research what this 1099-SA is really for and that will give you the answer.

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