Hi @RalphH1
Again, I appreciate your patience and help very much. Hopefully we are getting closer to the answer here.
I tried deleting the form(s) 8889 and that still didn't work. I started a brand new 'test' return and entered the numbers from my W2 and 1099-SA. Here is the sequence of questions AFTER I entered 1099-SA. (I have replaced my name with "YOUR").
"Now Let's work on YOUR HSA'; Did YOU inherit this HSA ("no"); "Let's enter HSA contributions"; "Did your employer tell you about any other contributions"; "Did YOU have Medicare at any time in 2022" (Yes); and the months July2022-Dec 2022 as Medicare OR None; It showed the Max contribution of 1000 as expected;
Then "Did you overfund HSA in 2021" (No); then HSA Summary appeared.
Then "What type of high deductible plan you had on Dec 1, 2021"; Here the options were "Family", "Self", "None" - and it said that, if I had HDHP on Dec 1, 2021 BUT failed to be an eligible individual for other reasons, I should choose "None" - here I chose "Self"
Next question: Did YOUR lapse HDHP coverage in 2022 was due to Disability OR other reasons. I chose "Other reasons".
Then it asked me for the HSA contributions I made in 2021; what type of HDHP coverage I had for each month in 2021. I entered ALL the months - which is true.
Then it came to the last question/comment in the series:
"Additional income under the last month rule" - and it read like this:
"Good News! We have determined you don't need to include any income under the last month rule
In rare circumstances you may need to change this number if your marital status changed in 2021 or 2022
Income to include under the last month rule" and there is a box to fill in a number.
Since my marital status DID NOT change either in 2021 OR in 2022, I left this blank.
Please let me know if this is where under the "Additional income under the last month rule" I am supposed to fill in that excess contribution of $1000.
And apologize for the long winded post but I am giving all the details I can to give you the proper picture.
