#1. It is too late to withdraw the 2022 excess - this had to be done by the due date of the 2022 return. Yes, you may think that you can just call up the HSA custodian and as for the withdrawal of the excess (the the HSA custodian won't know any better), but the paperwork would be all wrong in the event of an audit.
#2. "Turbotax now keeps asking in the loop if my wife had high deductible in 2023 / Dec 2022, and I keep answering "no". I cannot file because of that."
I assume that you are referring to the question "What type of High Deductible Health Plan (HDHP) did [name] have on December 1, 2022? You should answer this with None, if I understand your history correctly, since your wife lost the HDHP coverage in January 2022.
But I don't understand why you are in a loop. What questions are you being asked in this loop? I don't see why this should result in a hang-up?
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
