How to fill out form 8889 if I didn't have an HDHP

Forum|Forum|11 months ago
April 14, 2025
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I have excess contribution carry over from when I did have an HDHP, but now I do not have an HDHP? How should I fill out form-8889? Check none for each coverage month? and check self for the HDHP question?

BillM223

When you go through the HSA interview (Deductions and Credits->Medical->1099-SA, MSA, HSA). When you are asked "Was [name} covered by a High Deductible Health Plan (HDHP) in 2024?", check "No, I did not have coverage" if you had no HDHP at any time in 2024. But if you had HDHP coverage for at least 1 month in 2024, then check "I had different plans types at different times of the year."

If you answered with the first response above, then you will not have to check off month by month. If you did the second response, then you will have to check off HDHP for any month in which you had HDHP on the first day of the month, and NONE for all other months.

If you get into the Review and it complains that you have not entered Self or Family on line 1 (8889), enter Self just as a workaround. This should allow you to e-file.

This should complete form 8889.

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christoftAuthor

Thanks for the reply! I did select No on having HDHP coverage in 2024, but it is still asking me to fill in each month. This happens after it asks me to select "Self" or "Family" on Form-8889. Once i select "Self" as the workaround, it then brings up the error to fill in each month

BillM223

On this screen

Did you answer NO? If so, you should not have seen the month-by-month screen. (note, this screen is from the CD/download product; the Online product may look a little different).

Before the screen above, there is a screen asking about Medicare - did you indicate that you had Medicare?

What was the screen just before the month-by-month screen? A screenshot with any personally identifiable info redacted would be great, if you can post it here.

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