BillM223
Expert Alumni

Get your taxes done using TurboTax

@todaniel2407

 

Form 5329-S is the spouse's copy of form 5329, that is, each spouse can have their own 5329.

 

Form 5329 is used to calculate the penalty you owe for carrying over excess HSA contributions instead of withdrawing them before April 15th.

 

Form 1099-SA is used to report money that you spent out of your HSA, as Dean noted above.

 

However, if you did not spend any money out of the HSA, then you won't receive this form.

 

Note that each of you can have HSAs, so the 1099-SA is issued to a single person, not the couple.

 

Also note that the 1099-SA comes from the HSA custodian, not from your employer, who has no idea of what you are doing with your HSA. Your employer's only interaction with your HSA is to put money into it. After that, everything is in the hands of the HSA custodian.

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