Deductions & credits

Well, that isn't what's happening with TT. If I select that I did have an HDHP, my federal refund drops from $700+ to just $54!  If I select that I didn't have coverage, then my federal refund jumps back up to $700. So this suggests that I am being taxed (very heavily) for having a health care plan. All this AFTER entering my HSA information.