It sounds like you did not enter in TurboTax that you had Family coverage for 2020, July onwards.
The reason is that if you had indicated Family coverage as of December 1, 2020, the last-month rule would have given you the full annual Family HSA contribution limit for 2020, which was $7,200. This means that you actually had in fact no excess HSA contributions in 2020 nor any carryovers in the years that followed.
So, you need to count on your fingers and toes to see how much money you have spent on extra income tax and 6% penalties since 2020, to see if you want to go through the bother and expense of amending your 2020, 2021, and 2022, returns.
The thing is that you are approaching the deadline for amending your 2020 return. It is normally 3 years from the original due date which is next week. But there is a Covid-era IRS Notice (Notice 2023-21) that apparently pushes the amendment deadline out to May 17, 2024.
This would mean waiting on your 2023 return, and then filing an extension, then amending 2020, 2021, and 2022, and buying the software for these years if you already didn't own the desktop software for these years...and doing all this before May 17th...
So think about it and come back if you have any more questions...
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