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Since your Form 1099-R will not arrive until 2027, here is how to manually report your earnings on your 2025 tax return:   First, determine the taxable amount. Only the earnings are taxable because the amount of the excess contribution was already taxed before it went into the Roth IRA.   Next, you will report the earnings even though you don't yet have the Form by following these steps.   Go to Income on the left panel within your TurboTax account Click on the +Add more income box Scroll down to Retirement Plans and Social Security and click the down arrow to expand Click Start to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R) Click on +Add a 1099-R, select the Enter a different way box, then Type it in myself On the next screen, you can select Type it in myself, or other options, then Continue Select the box on the top left for Financial institution or other provider (1099-R), then Continue Enter the provider's information, then Continue Enter the details from your Form 1099-R, enter total distribution in Box 1 and only the earnings in Box 2a Ensure the IRA/SEP/SIMPLE box is unchecked Use Distribution Code J & P in Box 7, then Continue Choose Year 2026 as the year on your Form 1099-R Continue until, "Tell us which person may have qualified for a penalty exception" and select the pencil symbol Next, on the, "These situations may lower your tax bill" screen, enter the amount of earnings under, "Corrective distributions made before the due date..."

You aren't required to report the 1099-Q in your tax return, if the entire distribution was used for qualified expenses.    However, this section is now available. If you still get the same message, and you are using TurboTax Desktop, please log into your program and select Online, Check for updates in the top menu.   If you are using TurboTax Online, please log out of the program, clear you cache, and then log back in.  This should allow you to proceed with transmitting your return.  

Last year it worked fine and this year not working at all. TurboTAX is far behind AI implementation and losing its technical strength. Very bad. consider other alternative. Its support also bad and these guys have no clue how Turbo TAX works (I was on the phone for overo 30 minutes with its support and went nowhere.) 

“Pending” just means your return is on the way or waiting for the IRS or the state to process it. Is totally normal during busy times or if you claim certain credits.   Sometimes the IRS may place a hold for identity verification to prevent fraud.   Keep waiting for the IRS to accept or reject it. If rejected, you may correct it and resubmit.  

Try going into forms and look at the student info worksheet.  then look in section VI line 18 and see of TT has put $10,000 here (assuming you have not taken AOC or LLC in past years).    they are trying to get you AOC money back by paying some taxes on the 529 gains.  I don't want this.  I zeroed out line 18 and everything then calculated magically as I want with no AOC (I dont qualify but TT is still trying to apply it) and my expenses fully cover my 529 funds.

You missed a deadline so you are not exempt from the penalty. You may qualify for no penalty:   If you were denied within the last 90 days, you can still send paperwork and can backdate your coverage. This would eliminate the penalty. MASS does allow a 3 month gap in coverage without a penalty. If you can prove unaffordable or you had a legitimate hardship, you may be able to waive the penalty. if you are low income, the program will compute to give you no penalty. Single below $23,475 or $31,725 for two. The numbers go up depending on the size of the household. hardship - administrative delay and/ or financial distress can qualify you to check box HC for hardship conditions The department of revenue will then send your case to Health Connector for review.  Before filing, you may want to call Mass Health about the 90 day reconsideration, if you qualify. If not, apply for a certificate of exemption. If they grant it, you can enter the certificate number on your tax return and the penalty is waived.

If you received a "Success" message but your data hasn't appeared in TurboTax, it is likely due to recent browser security updates regarding Local Network Access.   To fix this you need to allow TurboTax to securely retrieve your data through your browser settings: Locate the View Site Information icon (the "tune" or "lock" icon) on the far left of your address bar, just before the URL. Find Local Network Access in the dropdown menu. Toggle the switch to ON. Refresh the page and attempt your import again. What do I do when my data isn't imported into TurboTax Desktop even though it says successful import in my browser? If permissions aren't the issue, one of the following factors may be at play: Brokerage Delays: While most forms arrive by January 31, many brokerages delay Consolidated 1099s (like the 1099-B) until mid-February due to complex reporting requirements. Availability: Your brokerage must specifically "release" the import file to TurboTax. If it isn’t ready, we recommend checking back. Connection Blocks: Active VPNs or aggressive Anti-Virus software can occasionally block the import feature between your bank and TurboTax. Try disabling them temporarily or switching to a different browser. Helpful TurboTax Articles: What if I can't import my 1099? How can I fix my 1099 import issue? How do I import my 1099s? How do I enter a large number of stock transactions in TurboTax?

Are you sure that TurboTax isn't asking if box 2b Taxable amount not determined is marked.  For a distribution from an inherited traditional IRA, box 2b Taxable amount not determined should be marked, box 7 should have code 4 and the IRA/SEP/SIMPLE box should be marked.  If neither box 2b Taxable amount not determined nor the IRA/SEP/SIMPLE box is not marked, the distribution is not from any type of traditional IRA but is instead a distribution from an employer plan like a 401(k).   If the distribution is from an IRA, the marking (or not) of box 2b Total distribution is irrelevant.  It has no bearing on how the IRA distribution is taxed.