To be eligible to contribute to an Health Savings Account in 2020, you:
- Must have been covered by a high-deductible health plan (HDHP);
- Did not have Medicare or other secondary health insurance policy; and
- Were not eligible to be claimed as a dependent on another return, no matter if you were claimed or not.
Do you have a code W in box 12 of a W-2? If so, it reported a pre-tax deduction for a Health Savings Account.
It sounds like that at the screen Were you covered by a High Deductible Health Plan (HDHP) in 2020?, you need to select No I did not have coverage.
The software will likely conclude that you have an excess contribution that may be:
- Withdrawn in part by April 15,
- Withdrawn in full by April 15, or
- Subject to an extra tax of 6%.
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