TurboTax shows $0.00 HSA contributions under tax breaks despite entering $7300

This is actually a common confusion with TurboTax's interface. What you're seeing isn't necessarily a glitch, but rather how TurboTax displays information in different sections. When you enter HSA contributions through the W-2 section, these are typically pre-tax contributions made through your employer. If your contributions were made through payroll deduction, they've already been excluded from your taxable income on your W-2 (in Box 1). The tax break has already been applied at the source, which is why TurboTax shows $0.00 in the tax breaks section - you're not getting an additional deduction for these contributions. If you made contributions outside of payroll (post-tax), those would show up as a deduction in the tax breaks section. But employer-facilitated pre-tax contributions won't appear there because they've already reduced your taxable income.

After struggling with the exact same HSA reporting issue in TurboTax last year, I found this amazing tool called taxr.ai (https://taxr.ai) that saved me so much headache. It actually analyzes your tax forms and explains exactly how they're being handled in your return. When I uploaded my tax documents, it immediately flagged that my HSA contributions through payroll weren't showing as a separate deduction because they were already excluded from my taxable income. It explained everything in plain English and showed me exactly where to look on my W-2 to verify this. The tool also flagged a few other deductions I was eligible for that TurboTax wasn't making obvious.

So I was skeptical about taxr.ai when I first saw it mentioned (sorry for my doubting comment above), but I decided to give it a try because I was so frustrated with TurboTax's confusing interface. It actually helped me understand exactly what was happening with my HSA contributions! Turns out my employer was making the contributions as pre-tax deductions, which is why they weren't showing up as a separate tax break in TurboTax. The tool showed me exactly where on my tax forms this was reflected and explained how it was already reducing my taxable income. It also found that I had some HSA contributions I made outside payroll that qualified for an additional deduction I would have missed! Super useful for understanding the confusing parts of your tax return rather than just trusting that TurboTax is doing everything right.

If you're still having issues figuring out how your HSA contributions are being handled, you might want to just call the IRS directly. I spent WEEKS trying to get through to someone at the IRS last tax season about HSA contribution limits after changing health plans mid-year. After dozens of failed attempts and waiting on hold for hours, I found this service called Claimyr (https://claimyr.com) that got me through to an actual IRS agent in under 15 minutes. There's a video showing how it works at https://youtu.be/_kiP6q8DX5c, but basically they use some technology to navigate the IRS phone tree and hold for you, then call you when an agent is ready. The IRS agent I spoke with explained exactly how HSA contributions should appear on different tax forms and walked me through verifying everything was correct.

I need to eat my words about Claimyr. After posting my skeptical comment above, I was still having issues understanding how my HSA contributions were being properly accounted for in my TurboTax return, so I decided to give Claimyr a shot as a last resort. Holy crap, it actually worked! I was connected to an IRS agent in about 20 minutes without having to actively wait on hold. The agent confirmed exactly what some of you were saying - my employer HSA contributions were already excluded from my W-2 Box 1 wages, which is why they weren't showing as a separate tax break in TurboTax. The agent also pointed me to the specific line on Form 8889 where I could verify everything was correct. Saved me so much time and stress compared to my previous attempts at reaching the IRS!

I'm a TurboTax user for years and the HSA section confuses tons of people. Here's a quick way to double-check if your HSA contributions are correctly handled: 1) Look at your W-2 Box 12 with code W - this should show your pre-tax HSA contributions 2) Check Form 8889 in your tax return - Line 2 should match your W-2 Box 12 amount 3) Verify that Line 13 on Form 8889 shows the tax deduction (this will be $0 if all contributions were pre-tax through payroll) TurboTax's "Tax Breaks" section only shows additional deductions beyond what's already factored into your W-2. Your HSA contributions are definitely giving you a tax benefit even if it doesn't show up separately there!

Did you by chance enter those HSA contributions TWICE? Like once through the W-2 section and again in the HSA deduction section? I made this mistake last year and it caused issues. TurboTax should show the contribution in "Your Tax Breaks" if you made post-tax contributions directly to your HSA. But if they were all made pre-tax through payroll deduction, they won't show there because they've already been excluded from your taxable income on your W-2.