Hi. So the reason we withdrew the funds from the HSA is to avoid paying the 10 percent penalty on the contribution. Are you saying there is no way to avoid the 10 percent penalty? Are you saying that we need to redeposit the withdrawal back into the HSA tomorrow by asking them to treat it as a mistake? (The funds have never left their bank so it would be a transfer back into the HSA account.) What if we can't get this done? It took a few weeks to process the withdrawal so I'm doubtful it can be put back in a day.
