Hi all,
I was doing my taxes and found out that I misread the Last Month Rule last year when I file.
I was qualified for HSA in 2021 for the last 5 months and switched to a non-HSA-qualified plan in March 2022. I maxed out my 2021 contribution which was $3600 and now TurboTax is saying that there are $2100 that got disqualified and I would need to pay tax and penalty here. I understand that I might not have a chance to correct this, but since I am now gonna pay taxes on that $2100, that will not be pretax anymore. Can I get that $2100 refunded from my Optum HSA account? If yes, do I just need to mail Optum the Excess Contribution and Deposit Correction Request Form? Thanks!
