FredJH
"TT says it's not tax deductible until I go back and delete it from my W2, and add the exact same thing right back in."
That's not what TurboTax is doing. The moment you enter the code W amount in the W-2, the code W amount is considered taxable until you show proper HDHP coverage. You do not have to delete it and re-add the code W amount to get it to be tax-free - you just have to go to and through the HSA interview and show HDHP coverage. And the screen after you show the HDHP coverage, the code W amount is removed from income.
As I noted, many taxpayers don't understand how HSAs work and therefore misinterpret what TurboTax is doing.
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