I thought I successfully withdrew my application for Medicare Part A in November 2023 after I filed for it when I realized it would mean I could not continue contributing for my employer HSA (I turned 65 in December 2023). I continued working through 2024 with a High Deductible Health insurance and making HSA contributions until stopping them in Sept 2024 when I decided I would retire Mar 1 2025. When I realized I had to stop 6 months prior to filing for Medicare I withdrew the excess contribution as if I had stopped making them in July 2024 because I would be applying for social security and Medicare in Jan 2025. I received my 1099 SA with the code 2 for the excess withdrawal and filled my 2024 tax returned using TurboTax desktop version.
Now the problem: it turns out my original request to cancel my application for Medicare in 2023 did not go through so I've been covered by Medicare with an effective date of December 1 2023 and an application date of October 2023 which means I should have stopped making HSA contributions in April 2023. I already filed my 2024 tax return. What do I do now, do I withdraw the excess contributions from 2023 and 2024 and file an amended return for 2024? I won't get a new 1099SA until next year if I make the withdrawal now. Do I have to wait until next years return to correct this and then have an extra year of the 6% penalty?
