Thank you sooooooo much for your time and you detailed answers for my questions @Opus 17 !
My wife's job 1 and job 2 has different HSA custodians, and she's thinking to
(1) withdraw the contributions she and her two employers made from job 1 and job 2 ASAP, not to wait till 2026
(2) for the 3rd job she's starting in Mid August 2025, she will just choose a regular health plan instead of HDHP, and not participate the HSA plan. She'll lose the employer HSA contribution, but she'll have one trouble less to deal with when filling taxes, and technically she is not eligible to participate the HSA for the entire year of 2025 (including August to December) anyway.
(3) I've seen most employers offer open enrollment around October, hopefully same for her new employer. We are thinking in October 2025 if there's open enrollment, she'll choose HDHP with HSA for the year of 2026.
In terms of the withdrawal, does she just need to call the two HSA custodians, tell them the situation, request the withdrawal, and HSA custodians will mail out paper checks (with income tax deducted) to my wife?
Thank you @Opus 17 !
