Hello,
A portion of my HSA contributions come from a monthly insurance premium pass through. Apparently, there was an extra bonus contribution in 2025 for opening a new HSA but I was not able to get information regarding this contribution until it was too late to adjust me own to make up for it. As a result, I ended up going over for the year in my total contributions. However, this does not show up in my W-2 since it did not come from my payroll deductions. It is only visible through bank documents. I submitted a form to withdraw the excess amount (plus calculated earnings) and received the distribution in March 2026 but apparently I will NOT receive an 1099-SA until early 2027 since the distribution occurred in 2026. I am getting conflicting information on what (if anything) I need to report on my 2025 taxes and how. Because it doesn't show up on the W-2, I am not getting prompted about excess contributions. In the questionnaire there is a 'overfunded their HSA last year' option which appears to pertain to 2024 so not relevant. There is also a 'other company contributions that weren't reported to their W-2' which seems promising but the live advisor I spoke with swears I do not need to do anything and should just wait until I do 2026 taxes. Does anyone know what I'm supposed to do?
