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Level 2
posted May 16, 2020 1:30:21 PM

How to make TurboTax recognize HSA excess contribution?

I contributed to an HSA in 2019, under my individual limit.  However, my spouse had an FSA, all of 2019 and I was covered under her policy.  I removed my excess (the entire amount of my 2019 contribution) in May 2020. The HSA administrator said they won't be sending any 1099-SA until next year. From other answers here, I gather that TurboTax can automatically detect excess contributions, but it doesn't seem to have done so. How do I tell it about my wife's FSA? Or is there a manual way to specify the removed excess contribution as "other income" on my 2019 taxes?

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1 Best answer
Expert Alumni
May 18, 2020 7:30:00 AM

And HSA and an FSA are not the same thing.  However, because the FSA automatically covers both spouses, this means you have conflicting coverage.  Instead of saying that you had a high deductible health plan and conflicting coverage, you just say you had no coverage so TurboTax gives you the correct tax treatment.

 

[edited 5.19.20 | 6:12am]

2 Replies
Expert Alumni
May 18, 2020 7:30:00 AM

And HSA and an FSA are not the same thing.  However, because the FSA automatically covers both spouses, this means you have conflicting coverage.  Instead of saying that you had a high deductible health plan and conflicting coverage, you just say you had no coverage so TurboTax gives you the correct tax treatment.

 

[edited 5.19.20 | 6:12am]

Level 2
May 25, 2020 2:15:55 PM

Thanks CatinaT1!  It took some patience reworking the forms, but my "HSA Income" now shows the correct amount under "Excess employer contributions withdrawn."  Thanks again!