Check your W-2 to see if you have an Code W entry in Box 12 that indicates you were enrolled in a Health Savings Account (HSA).
If so, that's why you are prompted to Upgrade.
Click this link for more info on Health Savings Accounts.
However, if your income is under $39,000 you may qualify to file your Federal and State returns at no charge.
Click this link to see if you qualify for the Free File Program.
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