OK, in rethinking your question, you should know that TurboTax is going to apply the last-month rule whether you like it or not.
So you will not have an excess of HSA contributions in 2024. So you don't need to bother withdrawing the excess for 2024 or getting the HSA custodian to move it to 2025.
As you clearly realize, that means when you are doing your 2025 return in early 2026, that TurboTax will discover that "you failed to maintain HDHP coverage". Then TurboTax will run you through a lot of questions about your months covered in 2024, your contributions, and other things so it can calculate what your excess would have been if not for the last-month rule. Then on Part III on the 8889, it will calculate the amount that would have been excess (i.e., the 1,141 if your calculation was correct), enter it on line 18 and copy it to line 8f on Schedule 1 (form 1040) to be taxed as Other Income, AND hit you with a penalty of 10% on the excess.
The bad news is that this is more expensive for you, the good news is that you won't do it until next year on your 2025 return.
It would be nice if you could do what you want to do and not use the last-month return this year and avoid all this, but the current TurboTax product does not work this way. In using Step-by-Step, there is no workaround.
If you had the CD/download software, you MIGHT be able to make manual entries on form 8889 to show only 10 months of coverage, but I have never tried it...and overriding entries is likely to remove your Tax Accuracy guarantee.
So where are we? If you are using the Online product, you can't not use the last-month rule, and you will defer everything to next year as I described above. If you have the CD/download software, you may be able to get it to work, but I can't guarantee that you can do it. What do you want to do?
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