So you are saying that you turned 65 in or about July 2025? Note that backdating Medicare by 6 months happens only if you apply to start after your 65th birthday, and the backdating is back to your 65th birthday, and in no case is the backdating more than 6 months. Therefore if your 65th birthday was, for example, in January 2026, then there would be no backdating, and you would mark each month of 2025 as Family.
On the TT page where it asks what type of HDHP coverage you had for 2025, you must answer "different plan types" if you were on Medicare at any point in 2025.
The above is true.
On the next screen "Medicare or None" can be selected for the months that Medicare was active.
The above is true.
You seem to understand the process. However, I just want to confirm that in the end that TurboTax did report excess contributions, and that that amount is what you withdrew from your HSA. Furthermore, I want to confirm that the excess contributions were added automatically to line 8f on Schedule 1 (1040). Unless TurboTax reports the excess, this add-back will not happen.
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