HSA Deduction

[ScoutMonteith]

Hello TurboTax Experts,

Let me start by this. I am using the online DIY premium version of turbotax. I am not able to use the desktop version because my computer does not support the software. On my W2 it says 12d W - $4249.92. When I go to the deductions and credit portion it automatically pulls over this number. The problem is my employer contributed $1,200 (non-deductible) but I contributed $3,049.92 post tax (is deductible). I can't edit this number in the wages and deductions portion of the HSA as it is automatically pulled over from the W2. So at the end on form 8889 line 13 says $0. When it should really say $3,049.92. What should I do? My spouse is in the same scenario. Both of our 8889 forms need to be updated but I can't figure out how to do this on the online version. I called the help line but they were not able to answer the question.  

[MinhT1]

Code W in box 12 of your W-2 reports contributions to your HSA from both employer and employee. The employee contribution is also deducted from taxable wages reported in box 1 of form W-2 (just like a 401(k) contribution).

So your contributions to the HSA are already excluded from taxation and you do not have to enter them elsewhere on your tax return.

[ScoutMonteith]

Thanks for the reply. However you are incorrect in my situation. Box 1 is not reduced compared to Box 3 and 5 on the W2. Same for my spouse. Because of this, I know that my HSA contribution as the employee was done post tax and I should be able to deduct it. I understand I am not allowed to deduct the employer portion. The problem is that Turbotax is not able to distinguish the difference between the employer and employee portion in this situation.

[ThomasM125]

Your contributions to an HSA through an employer plan are deducted from your social security and Medicare wages in the same way they are deducted from your wage income. So, the wages reported on your W-2 form in boxes 1,3 and 5 will match as far as HSA contributions are concerned, whether made by you or your employer.

A simple way to check this would be to get a wage summary report from your employer, where you can compare your gross wages from the wages reported on your W-2 form. If you find the W-2 wages exclude what you and your employer contributed to your HSA account, then you will not be able to add an HSA contribution on your personal tax return.

[ScoutMonteith]

Thanks for the reply. For example, regarding my spouse's W2. Box 3 and 5 are the same. Box 1 is proportionally reduced by the amount of the traditional 401k (box 12b D). Since box 1 was also not reduced by the employee contribution of the HSA I know that the employee contribution was post tax and I should be able to deduct it. Agree?