topic Excess Contribution message for my HSA account in Get your taxes done using TurboTax

Excess Contribution message for my HSA account

sachith1990 — Wed, 11 Feb 2026 03:40:36 GMT

I got another W2 regarding my employer's HSA contribution (including my contribution, too). I entered the amount under w2 details. Further, under the deduction tab, I selected my name for HSA, which is for my family, and entered the 1099SA details. I did not add my contribution separately (I kept the personally made contribution field equal to $0). However, a message appeared and said that I have an excess contribution (the amount I have in my second w2). This is confusing me, and there is no way to get rid of that message. I checked the other "excess contribution" related post, but nothing helped.

Any help is appreciated.

Re: Excess Contribution message for my HSA account

dmertz — Tue, 13 Feb 2024 13:10:31 GMT

Did you complete the HSA section to establish your eligibility for the HSA contribution?

If you did so, how much did TurboTax indicate that you were eligible to contribute and how much is shown with code W in box 12 of the W-2?

Did you have any excess HSA contribution carried in from 2022?

Re: Excess Contribution message for my HSA account

sachith1990 — Tue, 13 Feb 2024 16:40:29 GMT

Yes, I almost completed the HSA section, and at the very end, I got this excess contribution message, which I mentioned earlier. In my W2, I have $3700 for HSA, so I entered that amount under W2 with code W. Later, in the HSA section, I added 1099SA details, which was about $3200, and HSA money I used only for medical purposes. This HSA account comes through my employer and is for my family. Further, I did not enter my contribution anywhere. The excess contribution message shows $3700. I do not have any HSA contribution carried in from 2022.

Re: Excess Contribution message for my HSA account

dmertz — Tue, 13 Feb 2024 16:59:24 GMT

Did you somehow indicate to TurboTax that you can be claimed as a dependent on someone else's tax return? Such individuals are not eligible to contribute to an HSA. I suggest reviewing the Form 8889 itself.

Re: Excess Contribution message for my HSA account

sachith1990 — Tue, 13 Feb 2024 17:30:18 GMT

I will check that form. However, in the HSA section, when it asked, "Did I inherit this HSA?" I said no because this is my account. I think I found the mistake that I made. The next question asked about the High-deductible health plan, and I said "No." It was my mistake. I had an HDHP through my health insurance last year. I just said "Yes" and proceed with the following question. Now, I do not get that excess contribution message.

Thank you so much for your support. I appreciate it.

Re: Excess Contribution message for my HSA account

dmertz — Tue, 13 Feb 2024 17:34:29 GMT

Certainly indicating that you had no qualifying HDHP coverage would make TurboTax believe you were ineligible. I'm glad that you found and corrected that entry.