topic Turbotax doesn't seem to recognize medicare enrollment with respect to HSA contributions in Deductions & credits

Turbotax doesn't seem to recognize medicare enrollment with respect to HSA contributions

user17708396698 — Fri, 20 Feb 2026 04:29:57 GMT

In January 2025 I made a substantial contribution to my HSA.

For all of 2025 I was covered by my wife's HDHP family coverage.

My wife and her employer also made contributions to her HSA regularly throughout the year.

In April of 2025 I turned 65 and enrolled in Medicare (Part A only)

During the TurboTax HSA entry section I answered that I was covered by HDHP the entire year and on the special circumstances I check the Medicare box.

As I check the TurboTax form 8889 generated by the interview, the worksheet has all months checked with "Family". The instructions on the worksheet say that you are to select "None" if you are covered by medicare.

I went in and performed an "Override" to change the values to "None" as per the instructions for April through December.

Now when running the "Check" I get the message "Form 8889-T: Line 3 Wkst, line A4 should not be overridden and changed ... Using an override can prevent the cross-checking that's important to an accurate return"

I'm trying to figure out if I have excess contributions in time to correct it, but no matter what I do TurboTax just won't seem to recognize the situation.

Where did my data entry go wrong? Or is TurboTax just having a bug in this spot?

Re: Turbotax doesn't seem to recognize medicare enrollment with respect to HSA contributions

BillM223 — Fri, 20 Feb 2026 16:05:09 GMT

In TurboTax, whenever possible, make your entries in the interview (the Step-by-Step) rather than in Forms mode. This is what the message is referring to.

In the HSA interview, go back to the "Do any of these situations apply to [name]?" screen and mark that you had Medicare (as it sounds like you did). Then continue to the next screen and check the box for "[name] had different plan types at different times of the year".

On the next screen, you will have the opportunity to indicate Family or Medicare/None for each month of the year.

Now the Line 3 entries on form 8889-T will be correct, and you will no longer see the error message about the override in the Review.

This rule of entering in Step-by-Step rather than in Forms mode (when possible) is valid everywhere in TurboTax.

Re: Turbotax doesn't seem to recognize medicare enrollment with respect to HSA contributions

Mike9241 — Fri, 20 Feb 2026 17:02:42 GMT

In forms mode, it is not difficult. You check none for having HDJHP for any month covered by Medicare.