I am self-employed and had a HDHP Family plan until August 2020. While covered by that plan, I contributed $6000 to our HSA. Over the summer my spouse got a job with family health insurance, and we closed out the HSA for the entire amount of $13,600 (including the $6000 contributed but not yet deducted on our taxes) in the second half of 2020. My 1099-SA shows the entire $13,600 in box 1 and Normal Distribution in box 3. It seems to me that I should be able to withdraw the $6000 contribution (plus earnings) for 2020 without penalty and only pay the penalty on the funds in from prior years. Is that true? And how would I do that in Turbotax Desktop?
