Hi BillM223 thanks for your detailed response!
Since you said "In no case should this "refund" be considered a contribution for either tax year, that's not the right treatment.", wouldn't it be more convenient to just let the insurance company directly refund back to my HSA?
In fact, I don't know if it's still possible for me to contact my insurance company to not refund to the HSA, they may have already processed it. If they did indeed refund directly to my HSA, what should I do?
