I swapped to a low-deductible medical insurance plan in Dec 2024 and requested my former company to stop contributing to my HSA. I didn't notice, but my former employer continued to take money from my paycheck to contribute to my HSA plan for all of Jan 2025, totaling about $345.38 in 2025. There was no interest being earned or lost in my HSA because it was just sitting in a non-investing cash account. Once I finished my time at the company, I rolled over my HSA money that was in Avidia bank into a personal rollover HSA in Fidelity.
I only found out about it when my husband and I were filing our taxes on TurboTax. I thought all I needed to do was withdraw the money so we just completed filing. I called Fidelity and they told me that I need to let Avidia bank know and fill out a removal of excess HSA funds form with Fidelity. Is there anything else I need to do once I've done those two items? Do I need to file a 1040-X or submit a new 1099-SA? If so, could we do that online?
