@SamS1
Do you have a citation/source for your claim that you have to be 55 to do a Qualified HSA Funding Distribution? You have to be 55 to be able to make the additional $1k catch-up contribution, but as far as I'm aware there is no minimum age for being able to make a Qualified HSA Funding Distribution from your IRA. (Maybe the rules have changed in the last two years??)
