It is not clear to me what the HSA custodian actually does when they "roll over" an amount from 2024 to 2025. After all, you have only the one HSA , and the money did not move. The carryover (the IRS term) is more on the tax returns. On your 2024 return, you pay a 6% penalty on the carryover amount, and, as you note, on the 2025 return, TurboTax will try to apply the carryover as a "personal contribution" on line 2 of the 8889, in order to use it up.
In any case, I have given you the instructions to work through this issue in my March 19th post.
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