This is more complicated than you think, because you did not have an excess contribution for 2019, you had a "failure to maintain HDHP coverage" in 2020, which is not cured by withdrawing "excess" contributions.
Can you see form 8889? You can if you have the CD/download software or if you have already paid for your Online product.
Please tell me the following from your 2020 return:
- The amount labelled "HSA" on the same line 8.
- The amounts on lines 18, 20, and 21 on your 8889.
From this, I should be able to describe to you what you should do.
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