You say that your husband went on Medicare. Who had the HDHP coverage? You? or him?
It is perfectly OK for you to have HDHP coverage and contribute to an HSA - your husband being on Medicare does not affect that.
When you go through TurboTax, enter your HDHP coverage, and conflicting coverage (like Medicare), and your contributions. TurboTax will calculate your "excess contributions, and ask if you want to withdraw it.
NOTE: as soon as TurboTax detects an excess contribution, it will add the amount of the excess to Other Income. YOU SHOULD NOT DO THAT YOURSELF. You would just incorrectly double the amount of income to be added.
So for 2023, when you amend your return, let TurboTax do all the work. Note that you cannot withdraw the 2023 excess any longer because it needed to have been done by April 15, 2024. This excess will therefore be carried over to 2024. You will be charged 6% of the LESSER of the carryover amount or the value of your HSA at the end of the year. This means that you will have to look up the value of your HSA at the end of 2023. This also means that if you do what you said and exhausted the funds in the HSA, from than on, the carryover penalty would be zero.
Also, you can (and should) have your own HSA - you just need to arrange HDHP coverage. Note that if your husband is still working even while on Medicare, you can be covered on that policy, and you could contribute to YOUR HSA even though your husband could not.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
