JulieS
Expert Alumni

Get your taxes done using TurboTax

Yes, you should have a 1099-SA since you had distributions during the year. 

 

You can report the distributions as if you had received a 1099-SA, since you have all of the information to do so.

 

If you didn't report it, and at some point, the company issued the 1099-SA late, your would get an IRS letter. 

 

If you didn't report it and the company also never reported it, nothing would happen. This is not the best approach because you have a responsibility to file your tax return as accurately as you can. 

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