I contributed $8,300 to my HSA. I'm 59, so that should be my allowed max contribution. Why is Turbo Tax saying I'll be hit with a 6% tax due to excess contribution?

You may contribute to an HSA only if you have a High Deductible Health Plan (HDHP).

For 2022, the maximum combined total that you, your employer, and/or any other eligible person can contribute to your HSA account is:

• $3,650 if you're under 55 at the end of 2022 and are covered by an individual (self-only) HDHP;
• $7,300 if you're under 55 at the end of 2022 and are covered by a family HDHP;
• $4,650 if you're 55 or older at the end of 2022 and are covered by an individual (self-only) HDHP;
• $8,300 if you're 55 or older at the end of 2022 and are covered by a family HDHP.

However, the above limits are prorated depending on the number of months you were covered by an HDHP and had no additional health coverage .