Thanks, my answers follow by the questions:
1. Did your employer write the HMO plan so that all medical bills in Jan and Feb would be retroactively covered by the HMO?
No, I requested employer to change my HDHP plan to HMO plan start March 2024, but they started January 2024.
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?
Yes, it included in my paycheck such that I 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?
I don't know why it still in my HSA account in September when I request to distributed.
But you were clearly eligible to make contributions in Jan and Feb because you had HDHP coverage.
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.
I don't have my medical bill incurred in Jan and Feb, but I used my April medical bills to distributed the funds in HSA account.
Also my W2 line12 had code W and amount $80.40, after I called them now they changed W2C and line12 code W amount $0.
For my case How should I to file tax return?
