In the HSA interview, when you have been told that you made excess contributions for tax year 2024, you are invited to withdraw some or all of the excess. In most cases, if you have the cash in the HSA, withdrawing all of the excess if the best way to go.
To withdraw the excess, you should contact your HSA custodian and ask for a "withdrawal of excess contributions". There is likely a form for this on the custodian's website.
The custodian should not only send the excess to you, but should calculate the earnings. Then the custodian will send you a 1099-SA for the excess plus the earnings (to be honest, some custodians appear to do this as two separate 1099-SAs).
The 1099-SA will be reported on your 2025 return (i.e., NEXT year).
TurboTax handles excess contributions automatically. Please do not do anything yourself like add the excess to Other Income or add the earnings or any thing like that. Just let TurboTax handle it.
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