As for your HSA deduction, first I have to ask: are you on Medicare? If so, you are no longer eligible to contribute to your HSA, even if you also have HDHP coverage.
" it is denying us the actual credit" - I don't know what this means. Are you getting an error message? How do you know it is "denying" your deduction?
If you are using the Online product, please click on Tax Tools on the left, then click on Tools underneath it, then click on View Tax Summary in the center, then click on Preview my 1040 back on the left.
Then please look at line 12 on Schedule 1 of the 1040. Is your HSA contribution there? If it is, then it is being used.
If it is not, are you getting an excess contribution error message?
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