I'm pretty confused now. I'm having difficulty understanding what contributions were made for what years to what accounts. It's still not clear if you made any excess contributions.
If the only distribution occurred in 2016, how is it that you already have a Form 1099-SA for the distribution?
Is it an early-issued 2016 Form 1099-SA that will be reportable on your 2016 tax return?
Perhaps it would be useful to review this with a local tax professional to whom you can provide the details of what contributions were made, what distributions were made, the dates of those transactions, and how the transactions have (or will be) reported to the IRS by the HSA account custodians. Without very specific details of the timeline and the reporting by the HSA account custodians, I don't think that an accurate answer is possible.
