Taxpayer opened an FHSA in 2023 and has never made a contribution. In preparing the 2025 tax return, Taxcycle is calculating an optimized FHSA deduction of $8,000.00, and inserting an FHSA deduction for 2025 even though no contribution has ever been made. We have opted to claim a different amount of zero, but I don’t know why this is required. There should not be an optimized deduction calculated at all. My understanding is that a Schedule 15 is not required at all for 2025 in these circumstances.