TurboTax doesn't accept or deny a contribution, TurboTax permits you to report whatever IRA contribution you actually made. TurboTax will determine from the rest of your tax return whether or not you were eligible to make the contribution and, if you were eligible to make the contribution, how much of that contribution is deductible. If it's excess contribution, you MUST report it so that TurboTax can prepare Form 5329 to determine the excess contribution penalty.
An HSA contribution does not require you to have any compensation or other income to make the contribution, but you must be an eligible individual to make an HSA contribution. See IRS Pub 969, "Health Savings Accounts (HSAs)" for details: <a rel="nofollow" target="_blank" href="
https://www.irs.gov/pub/irs-pdf/p969.pdf">https://www.irs.gov/pub/irs-pdf/p969.pdf</a>
