The amount of a normal distribution (code '1') on a 1099-SA has nothing to do with excess contributions to your HSA.
From your description (the entire code W amount is made taxable), it sounds like you never showed any HDHP coverage. Did you finish your HSA interview?
What type of HDHP coverage did you have in 2021?
What was the code W amount in box 12 of your W-2?
Did you carry over any excess HSA contributions from 2020?
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
