I retired at the end of September 2025; as an employee I was covered by a high-deductible plan and I made contributions to my HSA. As a retiree I was also covered by a high-deductible retiree plan; I made a contribution to my HSA in 4Q25 to bring me up to the IRS limit for family coverage (including the catch-up contribution for over-55). Neither my wife nor I were on Medicare at any time during 2025.
However, TurboTax tells me that the contribution I made in 4Q25 is an excess contribution. My total HSA contribution in 2025 is equal to the IRS limit of $9550 (i.e. $8550 family plan + $1000 catch-up). Everything I can find online says that as long as I'm enrolled in a high-deductible plan, I can make HSA contributions even as a retiree. What do I have to do so that TurboTax agrees?
