This issue threw me, too, and the comments above to complete the interview questions were very helpful. Here's some additional info from my experience -- after I'd answered the interview questions about contribution amount, I was still being penalized instead of benefited by the HSA contribution and was puzzled. It wasn't until I answered the question about having a high-deductible medical plan for the whole year that it flipped and my tax owed dropped down suddenly. This makes sense, since we have to have an HDHP to get the deduction, but it sure was confusing and non-obvious.
