1. While your annual deductible is high enough and out-of-pocket max is low enough to qualify as an HDHP, these are not the only criteria for the insurance to be HDHP coverage that makes you eligible to contribute to an HSA. Other plan features could make it no be HSA compatible, so contact the insurance company to find out. Most HSA compatible plans are explicitly identified as such. Also, having any other, non-HSA-compatible coverage, including Medicare, disqualifies you from being HSA eligible.
2. Until you complete TurboTax's HSA section to establish your eligibility for an HSA contribution, TurboTax will treat you as ineligible. Review the Form 8880 prepared by TurboTax to see how TurboTax is determining that you have an excess contribution.
