Yes, wrong spot. Make no changes to your contributions. Enter your 1099-SA and indicate it all spent on qualified medical expenses. Any medical expenses you paid for out of pocket can be claimed on Schedule A if you itemize deductions. You would be able to get reimbursed from your HSA account, but if there is no money left in the account, you can't get reimbursed.
The IRS won't let you deduct medical expenses paid with HSA or MSA funds. Those funds are already tax-free and deducting them as medical expenses would be double-dipping.
When you get to the medical deduction section in TurboTax, enter all your medical expenses, including those you paid from your HSA or MSA. We'll subtract the portion paid from your HSA/MSA (as reported on your 1099-SA form) so you don't deduct them again as medical expenses.
Medical, dental, and vision expenses are reported on Schedule A and entered in the Deductions & Credits section.
- With your return open, search for Schedule A and then select the Jump to link in the search results.
- Answer Yes on the Did you spend more than $3,000 on medical expenses in 2020? screen.
- Enter your medical expenses, starting with prescriptions, on the following screens.
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