Since you already filed the 2024 tax return, you do need to amend.
You will owe the 6% excise tax for 2023, but not for 2024.
Note that you will likely receive an IRS notice for 2023 with a late payment penalty and interest assessment. You can either pay the amount due after you receive the notice or request a first time penalty abatement.
[Edited 9/19/25 4:56AM ET]
@Nwct25
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