phew, what a mess!!
but you are correct, she has a family HDHP, and proper HSA offered thru her employer. Due to spousal rules(if spouses employer offers a health plan..), I was given the boot and had to get my own individual health plan thru my employer, and then set up my own independent HSA account, which is what lead to this situation.
So, I get what your saying, but with the 4/15 deadline looming, and ease of access, say we go with the 6% penalty scenario.
From my checkings account(where I had the 2023 contributions go to) may I transfer $1200 into my new Fidelity HSA account, designate it as 2023 HSA contributions, then pay the 6% fee on the $750 excess?
With 2 of the kiddos needing braces this year we will burn thru that $750 super quick, so a $45 charge(6% penalty fee) for exceeding the HSA contribution limit by $750 doesn't seem too bad for me.
I just want to get this resolved as smoothly as possible.
Thoughts?
