My wife went on Medicare in February 2024. Prior to that, she was on a HDHP and contributed to an HSA. She stopped her contributions in February, but the combination of January's contribution and her employer's contribution put her over the allowed limit by $573.
On 4/3/2025, we filled out a form provided by the HSA provider and requested a refund for the excess contributions. We were sent a check for $573 plus about $.50 in interest on 4/9/2025.
In early 2026, we received the normal 1099-SA for expenditures from my wife's HSA account. We also received a 1099-SA showing a Gross Distribution of $573.51 with a distribution code of 2 and showing box 2 Earnings on excess contributions of $.51.
I feel like we ended up paying taxes on the $573 twice. Should we have received a revised W-2 from her employer?
