Update: I believe I may have figured out the problem. I am documenting this in case anyone else has the same problem - since this form applies to multiple situations, this might not be what happened to you, but might point you in the right direction.
I learned the total on my W-2 box 12, item W does not list the full HSA contributions for 2022, as I believed.
I'm actually still scratching my head trying to figure out what that $3,092.48 number represents - I thought maybe it was my Employee contributions, but that doesn't add up. My employer offered to match HSA contributions up to $500, but $3,092.48 plus $500 only equals $3,592.48, which is still less than the $3,650.
Helpfully, my HSA's website has a transaction history that breaks down Employee and Employer contributions.
Unhelpfully, it shows my Employee contributions as $3,115.62, which doesn't match my W-2 and my Employer contributions as $534.38, which doesn't match their Matching Contribution.
Helpfully (again), it did maybe help me solve this (maybe).
$3,115.62 + $534.38 = $3,650, the contribution limit. (hooray, we got somewhere!)
And in addition to the Employer and Employee Contributions, there's a single line item: "Individual Contribution $20," bringing my total contributions for 2022 to $3,670, which is $20 over the limit.
Why did my HSA contributions exceed the limit with no warning? No idea.
How did TurboTax know my contributions exceeded the limit? That's the rub. I never (knowingly) provided them any form that listed HSA contributions other than my W-2.
Did they get that information from the IRS, or my HSA directly?
The TurboTax website doesn't say, and more importantly, TurboTax doesn't appear to show $3,670 ANYWHERE in the process so they never gave me the ability to troubleshoot what was wrong on my own.
Ultimately, feeling the crunch of the tax filing deadline and not wanting to pay TurboTax an ungodly support fee in the hopes they would explain why I should also pay them an ungodly Premium filing fee, I assumed their website was wrong and filed my taxes with another tax software solution.
I hope that if you found this Community post, it was helpful or at least amusing.
And if anyone at TurboTax is reading this: please route this to someone who can look into the very user-unfriendly situation I encountered.
While the website did tell me what form I needed which helped me narrow down the problem area, there was nothing I could do to figure out specifically what the problem was.
It would have been helpful if the total contribution was shown somewhere in the process, especially if it could have alerted me that the number exceeded the contribution limit.
Also if you are pulling personal information about me from some source, I expect the website to disclose that information somewhere - and specifically, not an, "I agree" Terms of Service button that says some incomprehensible legal jargon like, "Intuit and TurboTax and their third party contractors, successors or assigns may blah blah blah."
I don't do business companies that obtain private financial information about me without my informed permission.
