"The penalty comes from your $432 penalty for making excess contributions to a Health Savings Account."
Can you tell me where you see this message? Is it in the Federal Review? I don't recognize it.
Furthermore, "It actually asked if there was a reason I was not covered " is a message that comes out of the Income and Additional Tax for Failure to Maintain HDHP Coverage section (line 18) on form 8889 - this has nothing to do with excess contributions. It comes from the question, "What type of High Deductible Health Plan did [name] have on December 1, 2021 (yes, 2021)?" In your case, since you did not go yourself through the HSA interview, TurboTax thought that your HDHP coverage had lapsed when you answered Family or Self to this question.
It's not obvious (I agree) that in your case, you should have answered NONE. Just answering NONE will save you the workaround in future years.
However, as I noted, this has nothing to do with excess contributions, which makes me wonder where you saw the message that I referenced at the top.
Even better, can you make a screenshot of this message with any personal information redacted and add it to this post? I am curious to find out how you got this message.
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