Hi,
I am the original poster for the main thread. I am posting again to try to get better clarity. I'm not sure that I buy this argument from MaryK1101 that making no HSA contributions/distributions means one doesn't need to report anything. Like the poster Martin (above), I did not receive a tax form such as 1099 for my HSA. I also did not receive an "earnings statement". Rather, I proactively searched for my standard end-of-year statement that every HSA account owner should have access to. Through my diligence in combing over my statement, I noticed that one section says I had "Tax-free" "Income" of ~$2000 (But I assume it is only tax-free from a Federal perspective). Sorry for being long-winded, but my point is: I don't think one has to make any contributions in the given tax year in order to receive capital gains and dividends distributions from a mutual fund. I believe this would happen on a periodic basis (similar to how I continue to hold my company stock and it pays me dividends every quarter based on how much I continue to own/hold). So it seems like a contradiction to tell user Martin that his roughly $1000 in earnings are somehow exempt from CA state taxes because he didn't contribute in 2019.??? (This seems to go directly against what I was told in the earlier post)
