I was doing the free version on Turbo Tax and all was good until the end. I lived in Montana for a month and in Washington for 11 months. So I had to do the Federal file and a Montana File because Washington does not have state income tax. In Washington, I had an HSA account, the free version on Turbo Tax does not do HSA so I had to upgrade to the Deluxe version. I am also getting charged to do the Montana file? I did not have an HSA in Montana, so why is the file not free like advertised?