@BillM223 thanks for the detail answers, it sounds right however you can see previously posted from someone that when we put HSA $ into line 12 of form 8889, it reduced the tax refund. How could that happen IF again HSA contribution should be tax free? I recalled I was under this issue as is but I can't verify it now for 2020 but I will pay attention on coming 2021 filing.
"I've also made sure that i answered those HSA interview questions correctly - I do have a high deductible plan, i did not overfund, and I used everything for medical expenses only but it still reduced my return to a negative number."
