We have an HSA but discovered that we should not have been signed up through our bank because we have never had a HDHP. We don't qualify for any option listed in T Tax

[JTR84]

So it looks like the bank messed up and we are not sure how to enter the information.  We were not covered under a HDHP and never have been, but the none option is only for if you had Medicaid which we didn't.  So how are we supposed to file this information?  We had the same insurance as in 2019 but it wasnt a HDHP then either and we dont have the form 5329 it asks for on our 2019 return either

[ColeenD3]

If you don't have a Health Savings Account with funds deposited and she is not covered by a HDHP, then you will need to withdraw those funds prior to the due date of the 2020 tax return to avoid a 6% over-contribution penalty.

As you go through the HSA section of your return, you will indicate that you was not covered by a HDHP during the year.  This will generate messages telling you that the contribution to the HSA will need to be withdrawn.  You can indicate that it will be done by the due date of the tax return and an additional penalty will not be assessed on the return.