Well, it doesn't make sense that you start with owing $204; however, not everything that TurboTax does during the return is obvious; what matters is that the finished product be correct.
So, when you describe the line 18 worksheet on line B showing your coverages for 2019, this sounds like TurboTax carried over your 2019 coverage. I was not aware that this was on the Carryover worksheet, but OK.
So it sounds like TurboTax was prefilling out the Part III section on the 8889, in case you failed to keep HDHP coverage for all of 2020. Then, when you showed full HSA coverage for 2020, this information would be removed.
Why would it do this? Because when you switched from Self to Family in 2019, you had Family coverage on December 1, which allowed you to use the Family limit for the entire year - the last-month rule. Hence the possibility that you might have to pay a penalty for not maintaining HDHP coverage in 2020 - and, of course, at the start of your 2020 return, you have not shown any HDHP coverage at all (because you haven't had a chance to).
So let's do this:
Go through your 2020 return, especially the HSA interview. See if the Part III section on the 8889 goes way.
Also, if one of you does not have an HSA (I can't remember), be sure to answer NONE to the question "What type of High Deduction Health Plan did [name - whoever did NOT have the HSA] have on December 1, 2019?".
If after you finish the 2020 return you find that Part II still has stuff in it - especially on line 21 - then come back and tell us.
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