TurboTax says I need to upgrade because "you have Additional Tax on Excess Contributions or Deductions (Form 5329)" but I looked up that form and I don't. Why?

On the IRS website for form 5329, under the "Who Must File" section, the only situation that COULD apply to me is that I contributed to my HSA in 2022.  
However, I checked box 12 item W of my W-2 and I did NOT exceed the Individual contribution limit for 2022 (limit $3,650, I had $3,092.48).  
Am I missing something?  How do I review why the system thinks I need this?  I tried to get support from TurboTax but apparently that's not free either!