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Hi @BillM223 

Thanks again for the explanation.

For 2020 tax filing, I said to turbotax "(1) you would withdraw it", since I have already filled the "distribution of excess contribution" form, and the 3550 is added as other income in 1040 form, as well as schedule 1. So I paid income tax on the 3550. There is no problem for 2020 right? So I don't understand why you believe I should "cure" it?

(The 3550 carryover is essentially: 1. I withdraw the 3550 and paid the income tax for the 3550 for year 2020. 2. for 2021, I personally contributed 3550, except that HSA custodian holded the 3550 for a few days, instead of going to my bank account and coming out).

For the 2021 tax, your are right, my contribution limit is 7200-3550 = 3650, and I contribued 10540, which is 6890 excess contribution. Since I have withdraw 3000+2610 on Mar 2021, I just need to withdraw another 1250 = 6890-3000-2610 before 4/15/2022, and in turbotax, I should choose "(1) you would withdraw it", and I am good to go, right?

So looks like in Turbotax, I should fill the below cell ($2000), since the carryover is considered as personal contribution, not employer contribution.

(I think even if I type the 2000 and 1550 into the above cells, and Turbotax does calculate correctly that I have 6890 excess contribution, the summary table below is still incorrect/incomplete, which only shows I have excess of 3340 from EMPLOYER, and it does not say I have excess contribution from personal contribution that I need to withdraw)

And I should choose this:

And I don't need to tell (no where to tell?) Turbotax the 3000+2610 withdrawal I have done, right? Since Turbotax only care about if I have or I will withdraw all or part of the total 6890 excess contribution, and it does not help me to calculate how much I have withdrawn and how much left to withdraw.