The rules say that I can contribute $3500 to existing HSA for prior year until July, 2020 even if I did not have high deductible plan coverage that year but have it in the current year. There is some caveat about using this money but it does not matter in my case. When I tell TurboTax that I made $3500 contribution for 2019 it considers it as excess and I get charged 6%. I am covered by \high deductible plan in 2020 (but not in 2019). Why is this happening?
