HSA Excess Contribution?

Forum|Forum|4 months ago
February 3, 2026
2 replies
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This year, I contributed via paychecks a total of $5370 to my HSA. I contributed an additional $3220 to it for a total of $8590 (barely over the family contribution limit of $8550). Our gross distribution is $9007, and we had a balance of $534 from 2024 (not an excess). Turbo Tax says that we have an excess contribution of $457 for 2025. This seems to be subtracting the contribution limit ($8550) from the gross distribution ($9007), and we're trying to figure out why it is not taken from the total contribution for 2025.

Mike9241

Level 15

couldn't duplicate your issue, but I am using a desktop edition, whereas you may be using online.

This forum has no access to your return. Please recheck all your entries for the 1099-SA and the HSA. On Form 5329, you need to see Part VII, line 47, where the excess shows up. Based on what you provided, I would agree that the excess is only $40.

The 1099-SA should have code 1 in box 3, (assuming the withdrawal was entirely for medical expenses. Amounts on the 1099-SA should not affect the calculation of any excess, regardless of the code.

If you can fix the issue, you will need to contact support. You can allow the technical person to view your return to nail down what is causing this. It could be a TurboTax bug, but I believe you are the only one so far this year that has this issue.

Craig770011Author

Level 2

If I change the total contribution (I increased it by $50), that number stays at $457. If I change the gross distribution by $50 it also stays at $457. This feels like a bug. Where might I enquire to customer service?

Opus 17

Level 15

I'm looking at the internal program worksheet on my return and the math just doesn't work that way. I don't think it's possible for this to be a bug that only affects you. I suggest you might have mixed up the entries of your 1099-SA and your contributions. If that is not the problem, you will have to call customer support, they can do a screen share and look at your file with you.

SuziM

Level 10

Greetings!

  Thank you for reaching out and sharing your experience. Since it seems we’ve exhausted any known troubleshooting, we would like to investigate this issue further. If you’re willing, we would like to ask if you could provide a Diagnostic File of your return. This copy will be purged of all personally identifiable information. If you are willing, please follow the instructions provided below to get us the information we need.

TurboTax Online

Sign-in to your online account.
Select "Pick up where you left off"
Click on “Tax Tools” to the left hand side of the screen. 
Select "Tools"
A drop-down will appear. Click on “Share my file with  Agent”. This will generate a message that a diagnostic copy will be created.
When the token is generated, be prepared to type in your notes or in a message (unable to copy and paste)
Click “OK”. The tax file will then be sanitized and sent to us. This action will generate a Token Number
Please respond directly to this message and provide the Token Number that was generated.

TurboTax Desktop 

Open your return. 
Click “Online” and select "Send Tax File to Agent". 
This will generate a message that a diagnostic copy will be created.
When the token is generated, be prepared to type in your notes or in a message (unable to copy and paste)
Click “OK”. The tax file will then be sanitized and sent to us. This action will generate a Token Number
Please respond directly to this message and provide the Token Number that was generated.