Hello and good day, everyone!
I've been doing a lot of research, seeing conflicting answers and therefore really need your guidance on something. I'll try to make it as simple as possible:
Summary
My wife and I fully funded our 2020 (and 2021) HSAs (not through payroll) based on what we expected our employers to contribute
We recently came to find out that my wife's employer made an error and "forgot" to contribute ~$20 and when the error was discovered a few weeks ago, they funded it, leading to an overfunding of the same
We've been been going back and forth with the HSA administrator (telling them we need an excess contribution withdrawal of ~$20) and they finally disbursed the funds
On the website, the Administrator is showing a 2021 1099-SA (not the full thing, just a quick blurb) with a distribution of "Normal" and tax year of 2021
My understanding is that if I withdraw the excess funds prior to April 15, it is just like the overfunding never happened and there is nothing special I need to do for my 2020 taxes (according to TurboTax)
Questions
The HSA administrator has been very difficult to work with and I'm wondering if I need to go back to them again to get this corrected (if indeed that is required).
Thank you for your time and guidance!
