1. Did your employer write the HMO plan so that all medical bills in Jan and Feb would be retroactively covered by the HMO?
2. Your employer said that they refunded your HSA funds a year ago. How did they refund your money? Was it included in your paycheck such that you did not notice?
3. If they refunded your HSA money in March 2024, why was there still money in your HSA for you to spend in September 2024?
The HSA belongs to you, not your employer. Your employer cannot take money out of your HSA except in limited circumstances. The primary circumstance is that the employer made contributions to your HSA when they should have known that you were not eligible to make contributions.
But you were clearly eligible to make contributions in Jan and Feb because you had HDHP coverage.
I can't be sure but it looks like your employer thought they could make this switcheroo without involving you. If so, they were wrong. Some money had already been contributed to your HSA, and except in limited cases, they should not have touched it.
4. See if you can get answers to the questions above. Oh, did you happen to have any medical bills incurred in Jan and Feb paid by the HMO? I am thinking how you should proceed.
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