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 You will be able to access the 2024 return you started by using the exact same account and user ID that you used when you started it.   But you can no longer use online software for any further changes.       Start a 2025  return online and enter some personal information  so that the menu on the left opens up and lets you access your past year returns.   Online tax preparation and e-filing for 2024  returns is now permanently closed.    Now it is too late to use online software or to e-file. If you have any changes/corrections at all to make to your 2024 return, you now have to complete it using desktop software, which you must download to a full PC or Mac  (not to a mobile device).Then you need to print, sign and mail it.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/printers-printing/finish-prior-year-return-started-turbotax-online/L9Oe4M90A_US_en_US?uid=m68tffpe   If you already paid for your online software you can ask customer support for a download of the desktop software.   They are available from 5 a.m. to 5 p.m. Pacific time Monday - Friday   https://ttlc.intuit.com/questions/1899263-what-is-the-turbotax-phone-number     If you are getting a refund, there is no penalty for filing late.  If you owe tax due, then file and pay the amount due as shown on the Form 1040, but expect a bill later from the IRS for the penalty and interest you will owe.  Only the IRS will calculate this—TurboTax will not calculate it.     When you mail a tax return, you need to attach any documents showing tax withheld, such as your W-2’s or any 1099’s.  Use a mailing service that will track it, such as UPS or certified mail so you will know the IRS/state received the return.   Federal and state returns must be in separate envelopes and they are mailed to different addresses.  Read the mailing instructions that print with your tax return carefully so you mail them to the right addresses.

There was no Fed income tax withheld. The $200 withheld was SS- 6.2% (0.062*$1450.00=$90.00 also Med- 1.4% (0.014*$1450.00=$20.00) also in Pittsburgh PA example The City and State income tax is appx 3% each. ($1450.00* 0.06=$90 for both. SS-$90, Med-$20, city/state-$90. So there's your $200. Taxes are a **bleep** 

I assume that the $3,183 (or at least your $333 catch-up portion of that) was contributed to your HSA, not his.  His contributions must be made to his own HSA.  Yes, the last-month rule can be applied to allow your husband eligibility for self-only coverage for May through July.  However, I think that you failed to account for the fact that using the last-month rule makes him eligible for the full $1,000 catch-up contribution, not just 8/12 of $1,000.  His contribution limit without using the last-month rule would be 5/12 of $4,300 plus 9/12 of $1,000 for a total of $2,542, but with the last month rule his contribution limit is $3,867.   Keep in mind that using the last-month rule requires your husband to remain an eligible individual throughout 2026.  If there is any month in 2026 that he is not an eligible individual, the $1,325 contributed for May through July will be subject to ordinary income tax and a 10% additional tax on your 2026 tax return.