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Thanks for the response. I've been away for the holidays so I missed it.

So it looks like Jan 24th is the beginning date to file.

 

Any particular reason a two year late tax return can be file electronically, but not a three year late tax return?

Considering the IRS accepts 2 and 3 year late returns.

I'll have to research the going rates in my area to have a tax pro file my return electronically. That reminds me they might charge extra for the HSA. I already filled out the two page paper HSA, they can just copy from that I guess.