Why does my hsa contributions decrease my tax refund? I initially put in my income and tax without my hsa contributions. then put in my contributions which was 5900.00 by me and 1000.00 by my employer

[dmertz · Accepted solution]

Until you complete the HSA section to establish your eligibility to make the HSA contribution, TurboTax treats the contribution as an excess contribution and assesses a 6% excess-contribution penalty.