Deductions & credits

I don't see my return either. I have no idea what is on the 8889 before the whole return is finalized.

I believe it does not matter, whether you can see my return or not. The IRS limit for the HSA contribution for a self-only HDHP plan is $3550, plus $1000 for a person age 55 or older. Therefore the only reason why TurboTax can calculate the amount bigger than $4550 is a bad math, isn't it?

The coverage selected is "Self Only" for for Jan-Oct, and "Medicare or None" for Nov-Dec, which makes the pro-rated maximum even lower.