perhaps you did 2020 wrong. because you did not actually withdraw the 2020 excess you should have paid a 6% penalty tax on the $3550 (or the FMV of the accounts if lower) that would have shown on form 5329
if you did 2020 incorrectly, then 2021 Turbotax does not know that there is an excess from 2020 that needs to be accounted for. they're supposed to show up on form 5329 line 42 and get there from the Turbotax carryover worksheet.
the 5498s are not entered into Turbotax
you say you withdrew only $3,000 and $2,610 from your HSA's but with code 2 for excess contributions the 1099-SA's are showing $5,000 and $4160 (obviously they're including the 2020 excess but they were not in fact withdrawn)
I think they are wrong. they should only report the actual distributions.
but there may also be an issue with Turbotax since entering them has no effect on the excess even if the box employer contribution withdrawal is checked.
hopefully @BillM223 has a solution.
I would say the 2020 excess of $3550 + the 2021 excess of $ 3340 less the amount already withdrawn of $5610 should leave an excess of $1280 which if not withdrawn by the due date of the 2021 return should be subject to the 6% penalty. however the penalty is based on the lower of the excess or the FMV of the account at 12/31/2021 (needs to be entered for the 5329)
also, forgot to mention if the 2020 excess was through employers - you should have reported $3550 as additional taxable income. the reason is that any contribution made through payroll deduction reduces your taxable income. so your taxable wages would have been reduced too much.
and for 2021 the $3340 excess should be included in income for the same reason schedule 1 line 8
the 5498's may also be wrong because my understanding is they are only you report actual contributions for the year.
