OK, You're doing all the right things. Almost finished. If you're within the limits but you're getting the excess HSA contribution message, it's most likely because you answered the eligibility questions incorrectly. To recap, the HSA eligibility requirements are:
• You must be enrolled in a high deductible health plan (HDHP).
• You can’t be enrolled in Medicare or another secondary health insurance policy.
• You can’t be claimed as a dependent on somebody else's return.
To review your answers, step through the HSA interview again (an easy way to get there is to search for HSA in your in-program search box, then click the "Jump to" link in the search results).
