HSA Error

Forum|Forum|2 months ago
March 13, 2026
1 reply
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Hi All,

I am getting the below screenshot error if I check Self and run the error then I get 11 errors for the same section. Please let me know how to fix this. - Thanks in advance.

I'm using windows desktop version. I had HDHP and HAS in 2024. Didn't have HDHP in 2025 as I was laid off and didn't make any contribution to the existing HSA account, but took distribution for medical expenses. Don't have a spouse unless TT knows something I don't.

Do you think this question has anything to do with the error?

What type of High Deductible Health Plan did Jane have on December 1, 2024?

If Jane had HDHP coverage on December 1, 2024, but failed to be an eligible individual for other reasons, select None. - My respond to this is SELF, as I did have HDHP in Dec, 2024.

RogerD1

Level 6

Yes, Self would be the correct response if the HDHP coverage applied only to you. To fix this, I'd recommend going back to the Personal section of TurboTax - follow these steps (they mention selecting Self plan for some selections because that's what you mentioned in your response, but change Self to Family in the steps below if you had a Family plan):

Click on Personal Income
Scroll down to Less Common Income, then click Update to the right of 1099-SA, HSA, MSA
On the "Select the health-related accounts you had in 2025", select Health Savings Account, then Continue
The next screen will have your "1099-SA Summary", if you already entered it. If you used your HSA for medical expenses in 2025, you should have received a 1099-SA form detailing the amount of money used from the account. If you did, but haven't entered that form in yet, now would be a good time to do that. If you only used the HSA funds for medical expenses, be sure to indicate that in this section.
The next screen is about HSA contributions in 2025 - since you didn't maintain the HDHP health coverage, you shouldn't have made any contributions to the HSA - select Continue.
"Was Jane covered by a High Deductible Health Plan (HDHP) in 2025?" - select No, then Continue.
"Do any of these situations apply to Jane?" - select any of those that apply - then, Continue
"What type of High Deductible Health Plan did Jane have on December 1, 2024?" - select Self, if it was a self only plan - then Continue.
The next screen is going to ask for 2024 tax return information and will indicate where you can find that information on your return. Enter any of those amounts that apply, then click Continue.
On the "Let's review what type of coverage Jane had in 2024", select the Self plan for those months that you were covered in 2024 - if None, select that
"Additional Income under the last-month rule" is uncommon, but enter any information there if it applies
The last screen will have Your HSA Summary -this should have also cleared the errors that you saw

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CP01Author

Level 5

Thanks for the detail information. Someone told me to put No Entry which worked is that not right? I'm confused now which to follow.

RogerD1

Level 6

Since you did have an HDHP in December 2024, the correct answer there would be to select that you had Self only coverage in that month. Having that last month eligibility in December, 2024 allows you to make a full year contribution to your HSA for 2024 even if you only were covered for part of 2024. The kicker is that you need to maintain the HSA coverage for all of 2025 in order to be able to have made that full year contribution in 2024. Because you didn't have an HSA in 2025, the questions you are seeing are being used to establish that the HSA contribution you made in 2024 was fully eligible as a tax deduction for 2024. If it isn't, then there will be excess contributions to your HSA for 2024 based on not having the HDHP in 2025 and they will be subject to a 6% penalty tax on the excess contribution.

All that to say that absolutely do say that you had the HDHP in December 2024 for Self-only coverage. If you had the HDHP coverage for all of 2024, then you won't be subject to the 6% excess contribution penalty for not having the HDHP plan in 2025.

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