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Given the time that has passed, it's highly unlikely that HSA Bank would correct the mistake.  Custodians generally will not make a correction after the regular tax filing deadline, April 15, 2024 in this case.  There is no other alternative.   The contribution limit for 2024 is slightly higher than it was for 2023, so you can probably still make a small HSA contribution for 2024 by April 15, 2025 to bring your total contributions for 2024 up to the 2024 contribution limit.

If you were legally married at the end of 2024 your filing choices are married filing jointly or married filing separately.   Married Filing Jointly is usually better, even if one spouse had little or no income. When you file a joint return, you and your spouse will get the married filing jointly standard deduction of $29,200 (+ $1550 for each spouse 65 or older)  for 2024. You are eligible for more credits including education credits, earned income credit, child and dependent care credit, and a larger income limit to receive the child tax credit.    If you choose to file married filing separately, both spouses have to file the same way—either you both itemize or you both use standard deduction. Your tax rate will be higher than on a joint return.    Some of the special rules for filing separately include: you cannot get earned income credit, education credits, adoption credits, or deductions for student loan interest. A higher percent of your Social Security benefits may be taxable. Your limit for SALT (state and local taxes and sales tax) will be only $5000 per spouse. In many cases you will not be able to take the child and dependent care credit. The amount you can contribute to a retirement account will be affected. If you live in a community property state, you will be required to provide additional information regarding your spouse’s income. ( Community property states:  AZ, CA, ID, LA, NV, NM, TX, WA, WI)    If  you are using online TurboTax to prepare your returns, you will need to prepare two separate returns and pay twice since with online, you get one return per fee.     https://turbotax.intuit.com/tax-tips/marriage/should-you-and-your-spouse-file-taxes-jointly-or-separately/L7gyjnqyM?srsltid=AfmBOopGqCNexowW0pYgvsf7ycIkrx4VjO_63UXv6vSnfu3UEGQiKQTh   https://ttlc.intuit.com/turbotax-support/en-us/help-article/income/getting-married-mean-taxes/L2RgmagpE_US_en_US?uid=m69on7t0     https://ttlc.intuit.com/turbotax-support/en-us/help-article/taxation/married-filing-separately-community-property/L11CeLUMs_US_en_US?uid=m69ousyh       Best Wishes!

Hi Robert, You said this:  if the gross income for the year is greater than $10,000 Similar situation - wife's mother passed, left behind a commercial building.  I have a California K-1 (541) for income around $3500, but other members of the family got a similar cut.  Is your $10k reference for everyone, or the individual? Also, I have opened the "open form" section in TurboTax Home and Business.  I found "Schedule K-1 Worksheet - Estates and Trusts" but the form I have is titled "beneficiary's share of income, deductions, credits, etc."  Am I using the correct form?  I'm thinking probably not because my form has sections A, B, C, D and E near the top - but the form in TurboTax does not show those - it starts with rows 1-14.  

Found this on another post. Using TurboTax Online Premium, go to the Wages and Income section, then scroll to the bottom until you see Other Business Situations.  Expand that section and then you will find Self-employment Retirement Plans where you can click Start to enter your information.

She does not need to be a dependent but must have the income to support the ROTH contribution. If none of the rollover is taxable, the Q should not be entered.    IRS Publication 970, Tax Benefits for Education states: Any amount distributed from a QTP isn't taxable if it's rolled over to: Another QTP for the benefit of the same beneficiary or for the benefit of a member of the beneficiary's family (including the beneficiary's spouse), An ABLE account for the benefit of the same beneficiary or for the benefit of a member of the beneficiary’s family (including the beneficiary’s spouse). But this doesn’t apply to the extent the amount distributed when added to other amounts contributed to the ABLE account exceeds the annual contribution limit. For more information about ABLE accounts, see Pub. 907, Tax Highlights for Persons With Disabilities, or A Roth IRA for the benefit of the same beneficiary, if the distribution is a direct trustee-to-trustee transfer from a QTP account that has been open for more than 15 years and the amount distributed does not exceed total contributions (and attributable earnings) made to the QTP more than 5 years before the distribution date. However, this doesn't apply to the extent the amount distributed when added to other amounts contributed to Roth IRAs exceeds the annual contribution limit. For more information about contributions to Roth IRAs, see Publication 590-A.