I believe there is an error in the 2019 version of TurboTax. I got the same message, but my husband and I are over 55. We have individual HSA accounts. We should be able to contribute $3500 each ($7000 family) plus an extra $1000 each since we are over 55. Our total contribution was $6600 but TurboTax was telling us we needed to withdraw ~$4500!! And the totals did include the employer contribution!
