The most common mistake isn't the dollar amount itself, but a checkbox or date entry in the HSA interview section. Tax software often defaults to assuming you had coverage for the entire year unless told otherwise.
1. Most software asks: "Were you enrolled in a High Deductible Health Plan on December 1, 2025?" * The Issue: If you accidentally select "Yes" or leave it at a default, but then enter a lower contribution limit, the software gets confused.
The solution is to check to see you have selected "No" for December 1st coverage. This triggers the software to ask for your specific months of coverage (January–May).
2. Check how the data from your W-2 is interacting with your manual entries:
- W-2 (Box 12, Code W): This includes both your payroll deductions and any money your employer contributed
- Manual Entry: If you also manually entered your contributions in the "Personal/Individual Contributions" section, the software might be double-counting them.
- Only enter contributions in the "Personal" section if you moved money from your bank account to the HSA after receiving your paycheck. If you did not contribute to your account other than the payroll deductions, you would not report anything here.
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