It is too late to make a corrective distribution for 2023.
For 2023, you need to file an amended return. Report that you did not have qualifying HDHP coverage (because the FSA counts as "other coverage" that disqualifies you, even if you did have an HDHP). Tell turbotax you will NOT remove the excess contribution (because it is too late). Turbotax will add the excess contributions back to your taxable income plus assess a 6% penalty. You will need to pay the tax and penalty with the amended return.
For 2024, tell us about your current situation. Do you have both an FSA and HDHP for 2024? Have you made HSA contributions or plan to make them? What are your insurance plans going forward into 2025?
