What if we took out money in 2021 and not in 2020. I was diagnosed in December and took a distribution in 2021. I did NOT file an 8945-E in 2020. The 1099-R for 2021 is showing a 1 in the box. When I called Fidelity they said they aren't allowed to ask health information and would not change it to a 2. It is hitting me with the entire amount due in one year. I have no problem paying for it but I need it rated over three years. I saw where TurboTax said 8945-F is coming out. I did the paper form from the IRS and it said I couldn't use it based on the worksheets. HELLLLPPPP! I don't want to do an installment program I just want to rate it over three years and pay it in 1/3 payments.
