topic I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that. in Get your taxes done using TurboTax

I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that.

cu006514 — Wed, 17 Sep 2025 16:13:21 GMT

I've seen several people post that they just input the 1099 as is, and the app asks them if they withdrew the excess contributions or not. However, I don't get any of that wording on my end. I'm curious if it's because I had to pay back federal taxes this year (which I've never had to do). Maybe I'm not answering the questions correctly to get to that screen?

Re: I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that.

Terri Lynn — Thu, 18 Sep 2025 00:23:07 GMT

Re: I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that.

Cindy4 — Wed, 17 Sep 2025 17:10:53 GMT

I'm sorry for the difficulty that you're having entering this. The "Did you Overfund your HSA" question pops just after the "Were you covered by a High Deductible Health Plan in 2024" question. The next question is, "Did you overfund your HSA in 2023?", Yes or No, depending on which applies, you will then see the calculation for the amount of overcontribution for 2024 and indicate that you withdrew the money. The reason the 2023 question populates is because some people are still paying the penalty for excess contributions for prior years. This can be confusing.

Couple things to remember. Do not manually enter the excess amount. Let the TurboTax interview calculate the excess based on your contributions and eligibility for the tax year. If you correctly complete the HSA interview, TurboTax will automatically generate the necessary forms, such as Form 8889 and potentially Form 5329, without you having to find them manually.

Hope this helps!

Cindy

Re: I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that.

cu006514 — Wed, 17 Sep 2025 23:35:08 GMT

Thanks for trying to help me with this.

I'm getting the question about overfunding in 2023, but it doesn't show me a calculation of how much was overfunded in 2024. Am I supposed to get a question about overfunding in 2024 as well?

Re: I overcontributed into my HSA through my employer in 2024. I withdrew the excess contributions in early 2025. I'm confused about how to report that.

SwapnaM — Fri, 19 Sep 2025 15:01:14 GMT

As @Cindy4 mentioned, you will input the 1099-SA for 2024. In the follow up questions, first you will see the "Were you covered by a High-Deductible Health Plan in 2024" question. You will chose HDHP plan & make sure you select the right option of whether it is a Family plan or self only plan.

For 2024, the maximum HSA contribution limits are:

$4,150 for individuals with self-only coverage.
$8,300 for individuals with family coverage.

The next question is, "Did you overfund your HSA in 2023?", Yes or No, depending on which applies. You will then see the calculation for the amount of overcontribution for 2024 on the next screen and indicate that you withdrew the money.

@cu006514 Hope this helps!!