Can I use the free software if I have an HSA which my Company withholds all contributions, and I didn't spend out of the account this year?

[amyheckman]

That does not change the fact that this rule doesn’t make any sense whatsoever. Turbotax is charging users with an HSA because they are a terrible and greedy corporation.

[Jhys88]

I wish I did more research! I'll never use turbo tax again. All because of an HSA I had to pay $108 and then they wanted to charge me another $39 to pay them using my tax return instead of "pulling out my wallet". F this company and they should be sued. Partly my fault for not doing the research. Scumbags!!

[Daaave]

   The most obnoxious part of their system is that it doesn't tell you that you have to upgrade (now $60) until THE END of the entire process of answering questions, checking, completing State questionnaires, set a filing PIN, etc.  Only at the point when I clicked "File Now", one month ago, did it tell me "Oops, you don't have a simple return!  $60 please!"  After I had spent the two hours filling everything in.  Meanwhile, it knew that I filled out the offending box in my W2 from the first step when it downloaded it from the payroll company.

If it had told me right up front that "you are not eligible for free filing, you will have to pay $60 to file", I would have had the option at that time to consider alternatives before investing the time inputting into TT itself.  But they play this game, AFTER you've invested your time, and you don't have the energy to go through it again.  A Bait and Switch.

[Daaave]

Oh, and it WASN'T ONLY $59.  It was $59 for Fed + $54 State ... and that nonsense about paying the fees with a portion of your federal return?  Oh, that's just another $39 fee.  That's all!  They don't even tell you about the last two until AFTER you've decided to go for the $59 fee.

All because my employer decided that the low wage workers be on a High Deductable Plan and they would make HSA contributions (new this year) to make up for it.  So nice.

Such an "uncommon" situation, that TT decides we should spring for Deluxe to file ... and only tells you AFTER we've input all the information and answered all the questions - everything prior to entering a credit card to pay for it.  Thanks for being "transparent" about your fees!

[baileythomsen]

Was this ever answered? I'm currently dealing with this.

[xmasbaby0]

@baileythomsen You posted to a thread that has had no activity for two years.   Are you having issues with the fees?

How can I see my TurboTax  fees? 

https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbo...

If your TurboTax fees are higher than expected, you can reduce them by removing add-ons     (BEFORE you e-file) :

• Remove Premium Services
• Remove MAX Defend & Restore
• Remove a state
• Remove PLUS Help & Support
• Remove Pay With Your Refund

  If you started in the Free Edition and entered any data that required any extra forms or schedules, you have to upgrade to a paid version and if you are watching the screens carefully you are alerted to the upgrade.

TurboTax Online: Important Details about Filing Simple Form 1040 Returns

If you have a simple Form 1040 return only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit or student loan interest), you can file for free yourself with TurboTax Free Edition, or you can file with TurboTax Live Assisted Basic at the listed price. Roughly 37% of taxpayers are eligible.

Examples of situations included in a simple Form 1040 return (assuming no added tax complexity):

• W-2 income
• Interest, dividends or original issue discounts (1099-INT/1099-DIV/1099-OID) that don’t require filing a Schedule B
• IRS standard deduction
• Earned Income Tax Credit (EITC)
• Child Tax Credit (CTC)
• Student loan interest deduction
• Taxable qualified retirement plan distributions
•  

Examples of situations not included in a simple Form 1040 return:

• Itemized deductions claimed on Schedule A, like charitable contributions, medical expenses, mortgage interest and state and local tax deductions
• Unemployment income reported on a 1099-G
• Business or 1099-NEC income (often reported by those who are self-employed, gig workers or freelancers)
• Stock sales (including crypto investments)
• Income from rental property or property sales
• Credits, deductions and income reported on other forms or schedules 
• 1095A for marketplace health insurance

Or—-Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site

https://apps.irs.gov/app/freeFile/

Or—if you live in certain states you may be eligible to use the new IRS Direct File

In Filing Season 2025, Direct File will be available in Alaska, Arizona, California, Connecticut, Florida, Idaho, Kansas, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wisconsin, and Wyoming. 

https://directfile.irs.gov/

https://home.treasury.gov/news/press-releases/jy2629