topic Excess HSA contribution in Deductions & credits

Excess HSA contribution

Lou421 — Tue, 24 Feb 2026 06:07:49 GMT

I am getting an incorrect excess HSA carryover from 2021 on my 2022 taxes.

Background:

2020

Had an excess HSA contribution of $888 in 2020. We withdrew the excess before the deadline.

2021

Married filing jointly. 2 HSAs. Both had contributions. Both covered by family HDHP all year.

Total HSA contribution - $7088 ($3200 and $3888). Under 55 so our HSA limit was $7200.

On Form 8889(T & S) that we filed, Family is checked, Line 2 = 0, Line 9 totals to 7088.

There were no errors or notes about excess contributions when we did our taxes.

2022

Married filing jointly. 2 HSAs. Only one had contribution. Both covered by family HDHP all year.

Total HSA contribution - $7300

It is telling me that I have excess contribution of $7088.

Scrolling back through the screens, I found a note that says "You have an excess contribution carryover from last year." When I filed in 2021 it did not tell me that. I looked at the 8889s that were filed with my taxes in 2021and they look correct.

Why is Turbotax telling me that all $7088 of my 2021 HSA contribution is excess carryover when it is not?

How do I correct that? I am nervous about going in the background and changing the Forms.

Re: Excess HSA contribution

Mike9241 — Tue, 04 Apr 2023 07:36:53 GMT

being unable to see either 2021 or 2022 returns makes it difficult to diagnose. this assumes you really didn't have an excess for 2021. in the jump-to-box type in carryover. double click on the line that says carryover worksheet to open it. scroll down to line 11. that's where you should see the 7088. delete it.

Re: Excess HSA contribution

Lou421 — Tue, 04 Apr 2023 11:49:19 GMT

Thanks for the quick reply @Mike9241 . I am using the Desktop version of TT 2022 and I can't seem to follow those steps exactly.

Looking through the forms in the background, it looks like it may have pulled the info incorrectly from my 2021 return. I used TT 2021 to file last year, and used that file to start my taxes this year. Screenshots from the forms are below. It shows all of our HSA contributions were excess contributions in 2021 and it does not have the Family boxes checked for 2021. This does not match what I see on the forms and worksheets in the pdf version of my 2021 return.

Does anybody know where it pulls this info from so I can try to update it? I tried updating these worksheets by checking the Family boxes and setting the excess contributions to 0, but it didn't change anything when I went back to the step-by-step.

Re: Excess HSA contribution

Lou421 — Wed, 05 Apr 2023 04:11:32 GMT

@Mike9241 , best I can tell, Turbotax is pulling in these numbers from the wrong line on my 2021 return. I went ahead and deleted the carryover on the worksheet you suggested and it seems to have fixed it. A snip of my 8889 that was filed with my 2021 taxes is below. Somehow 2022 is pulling 3,200 in as a carryover excess contribution.