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To complete and file a 2023 tax return using TurboTax you would need to purchase, download and install on a personal computer one of the 2023 desktop editions from this website - https://turbotax.intuit.com/personal-taxes/past-years-products/   A 2023 tax return can only be printed and mailed, it cannot be e-filed using TurboTax.   You will have to amend the 2024 tax return that you filed so that it only has tax information entered for tax year 2024. See this TurboTax support FAQ for amending a current year tax return - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-current-year/L7eS6o1qh_US_en_US?uid=lfunevhk  

This answer assumes your 2022 return was prepared in Online TurboTax.   Any return prepared in desktop TurboTax will not be in an Online account.  Here's how one would normally find past-year online returns and how to troubleshoot for multiple accounts (User IDs) if necessary.  Many people end up with more than 1 account.  The pathway to download the PDF or tax data file depends on whether or not you have started an online 2024 return.  I provide both scenarios below, so choose which one is appropriate for your situation.   If you have not yet started a 2024 online return: Sign in to your account.   What you see next depends on whether or not you have already started a 2024 return in that account.   If your left column menu is minimal, and does not have a Tax Home tab displayed, that would imply you have not started preparing a 2024 return in that account.  If you haven't yet started a return, it will start asking you some questions.  Answer those preliminary questions (you don't actually have to prepare a return), and then when you are far enough into the process the left menu column will change, and you'll then see a Tax Home option.  Do not click the Documents tab.  Instead, click on Tax Home.  Then on the Tax Home screen, scroll way down to the bottom to "Your Tax Returns & Documents".  Expand that section and choose the past year you want.   If your past returns are not shown there, then you likely have multiple accounts and signed into the wrong one.  I'll tell you below how to troubleshoot.   If you have already started or finished a 2024 online return: Log in, and if you've already started a 2024 return in that account, then it may already open at the Tax Home.  If not, click the Tax Home tab in the left column menu.  Do not use the Documents tab.  At the Tax Home scroll down and expand "Your Tax Returns & Documents."   If the past returns are not there, see the steps below.   If you do all that and can't find the past return, here's how to look for multiple accounts: You can have up to 5 accounts that use the same email address for notification purposes.  A User ID may be an email address, but it doesn't have to be.  It might be only part of an email address, or it can be anything at all.   To get a list of your User IDs, reset password, and recover account access, etc., you can use the tool at the link below.  When using the Account Recovery tool, try using your phone number first if you can still access it.   After that, if necessary, then run the tool on your email address(es) you can access. NOTE: Before running the account recovery tool below, log out of all Intuit accounts including this user forum, or you might end up in a loop.  Then clear your browser Internet cache, close your browser, then reopen it, and go to the link below.  You may wish to copy this link so you can paste it into the new browser session. https://myturbotax.intuit.com/account-recovery If still no luck after running that on your phone number you can still access and email address(es) that you can access,  here's another method:          Go back to the tool again, but this time leave the data field blank, scroll down a bit, then choose the small blue link that says "Try something else", and it will look you up by other parameters.

the article seems to reach a different conclusion regarding Ponzi losses as long as the objective was to earn a profit. It seems to conclude that such a loss does not have to be in a federally declared disaster area. https://www.journalofaccountancy.com/issues/2025/jul/deductibility-of-theft-losses-for-victims-of-certain-scams/      furthermore pub 547 Note that the personal-use property limitation for tax years 2018 through 2025 does not apply to losses on in come-producing property, such as losses from Ponzi-type investment schemes  

Thank you @Opus 17 ! When you say: "The principal (contribution) part of the withdrawal is not taxable as such.  Instead, the contributions (from box 12 of her W-2s) will be added back to her taxable income as if it was part of her wages all along and not an HSA contribution.  Because the contributions are taxed, the withdrawal of the contributions is not taxed again. "   I'm trying to understand what you said "Because the contributions are taxed": The contributions my wife made to the HSA is pre-tax, and hasn't been taxed yet. So when she withdraws the excess contributions (assuming in August 2025), and if the HSA bank just returns the excess contribution plus attributed earnings, not withholding taxes as you said, then the contribution withdrawal will not be taxed, and is never taxed until we file the 2025 taxes in early 2026. The withdrawal amount of the contribution is like the self-employed and independent contractors income (for example, like Youtubers get the pay from google, taxes are not deducted, and need to report and calculate on their own), and will be added to our total 2025 income when we file the 2025 taxes in early 2026, then decide how much taxes we owe then. Is my understanding correct?   Thank you again @Opus 17 !  

@MonikaK1 - What ii the state tax return is from 2020? I know from other posts that "manual updates" are not available for years prior to 2021. Does that include state returns? The federal update went through fine but I can't seem to use it without updating the state program as well.  

@taxpayer7374 Sorry---theft and casualty losses are not deductible unless the theft was the result of being a vicim of a Ponzi scheme; casualty losses are only deductible if they occurred as a result of being in a federally declared disaster area.

@rsherry8 Another suggestion --- call healthcare.gov with your questions.   800-318-2596   My own experiences with helping several family members enroll in marketplace plans have been that the reps you reach on the 800 number are really good.  And at this time of year when it is not  yet open enrollment, you should not have much trouble getting through to someone who can answer your questions.      

Sorry---I cannot comment on any of the healthcare.gov rules or plans for NJ.    You can try going to the healthcare.gov site and plugging in NJ to see what you can learn from that site.   The rules  and plans vary from one state to another ---at least to a certain degree.   But I am still puzzled by why you are focusing on NJ if the person with the marketplace plan is in FL.    If they are in FL then what matters are the plans and rules in FL.

The real person did not move to New Jersey. I changed his address to New Jersey so that I would gain understanding. I thought if you live in New Jersey and your income is below the FPL then you do not get a subsidy. Am I wrong about that?

How does New Jersey come into this?   Did the person who was on a healthcare.gov plan move from FL to NJ?   Why are you entering a NJ address?   The marketplace health insurance plans are specific to the states in which the person lives, so if they moved, healthcare.gov should have been informed of that.       If you had health insurance from the marketplace, when you applied for the insurance, you gave healthcare.gov an estimate of how much income you would receive in 2024.  They used that amount to calculate how much of the insurance premium would be covered by the tax credit and how much would be your amount to pay.   So...you had some monthly amounts to pay, and the rest of the cost of having that insurance was paid by the government program.   If you ended up making a higher income than you told them you would receive, they re-calculate how much should have been paid by the program and how much should have been paid by you.   And if your own share of the cost should have been more, they get it back on your income tax return.      If you actually had less income, you could even get some of the share you paid back on your tax return.           From Healthcare.gov: If you're enrolled in a Marketplace plan and your income or household changes, update your application as soon as possible. These changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for.  After you finish applying or enrolling, you may be asked to submit documents to confirm your income. Discover which changes to report. Learn how to report changes.