Excess HSA Direct Contribution

[Meg30]

I accidentally directly contributed to HSA in 2022 (I had a HDHP in 2021). I realized while working on my 2022 taxes, so I reached out to my HSA custodian for a Return of Excess Contribution and received the excess amount back (along with additional earnings of $100+ on the contribution) in 2023 before I filed my 2022 taxes. I received a 1099-SA for the total that was distributed back to me. How do I report this on Turbo Tax? Do I get taxed on the additional earnings only? or the total even though I realized my mistake before the filing date?

Thank you for your help.

[dmertz · Accepted solution]

Enter the code-2 2023 Form 1099-SA into 2023 TurboTax as received.  Only the earnings, shown in box 2 of this form are taxable.  

[Meg30]

Thank you!