All of that sounds logical - except that I do not have an inherited HSA - It's my wife's HSA and she is very much alive. Why does Turbo Tax think otherwise?

The HSA was created in 2016 - money carried over to 2017. Can I simply delete it and recreate?

We are retired and do not have a W2 - when the HSA account was created we did - but not now. The HSA account is due to a high deductible health insurance policy...