Why do I need to pay for the upgraded version, $60 seems crazy as it is only because I have a HSA card, nothing complicated about it.

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You can see if you qualify for the Free Edition with this Turbo Tax FAQ. If you do not qualify you will have to upgrade to the next edition.
Is TurboTax Free Edition right for me?
https://ttlc.intuit.com/replies/3334660

If you qualify, this Turbo Tax FAQ will show you how to downgrade if you have not filed already.
Can I downgrade to a lower-priced version of Turbo Tax Online?
https://ttlc.intuit.com/replies/3288495