1. Are you stating that even though we withdrew the 2016 excess contributions from our HSA that withdraw was for nothing because it was past the 2017 due date, meaning that we withdrew all that money from our HSA and we can't even declare it?
2. If the withdraw was for nothing is there a way to put that money back in the HSA since it was withdrew for no reason?
3. Should the 1099-SA withdraw been coded differently (meaning as a normal distribution) by the HSA custodian so that we could declare it was removed?
4. Something does not seem right that you have to lie about actual medical expenses to remove the excess contributions with a 20% penalty as the only way to remove the excess contributions from being carried over every year. Is there another way to remove the excess contributions?
Can you please answer each of these questions?
Thanks
