I've made no contributions directly to my HSA custodian, ever. They've always been through employer payroll deductions. Because I had two HSA providers in 2020, it was easy to overfund them while trying to maximize the amount.
I have '0' entered where it asks for direct (personal) contributions to your HSA.
The only place I have 984 entered is in this set of instructions:
"Did you overfund your HSA in 2020?
If your HSA was overfunded (also called excess contributions) in a previous year, it may affect your 2021 return."
Yes
"Enter Last Year's Excess Contribution
Enter the amount from line 48 on your 2020 Form 5329"
984
To test it, I tried entering 983, and 987 on those screens, and both times, it carries that number over to the "Deduction" and presumably to line 13 on Schedule 1 (1040).
It doesn't make any sense.
The section you mentioned looks like this:
Let's enter [name]'s HSA contributions
Don't include contributions from cafeteria plans, IRAs, or rollovers from other health plan accounts.
2021 employer payroll contributions $5,972
(Box 12 of your W-2)
Any contributions you personally made $0
(not through your employer)
If I change that $0 to $202, it'll change the 'Deduction' from $984 to $1,186.
So, Turbotax definitely thinks I get a deduction in 2021's taxes of overcontributions made to my HSA in 2020. Is it because I put the contributions on my 2020 taxes, and them removed them from my HSA?
