Thank you so much for the detailed reply. To answer some of your questions. I mistakingly hired out my tax prep in 2017 and 2018. I previously used TurboTax and am now back using it.
1. 2018- in my tax filing, they generated a 5329 for the excess $180 and so it was carried over to 2019. I was unaware of this until this past week.
2. 2019- i am in discussions with my HSA fund to withdraw both the 2018 and the 2019 Excess contributions. They are looking into how I need to account for the "interest earned." So yes, these will be withdrawn before April 15, 2020.
3. 2020- I am currently ineligible for an HSA. My HSA Fund did return per the online records the $150 employer contribution (which I need to still verify with my employer). What remains is the $246 of my direct from paycheck pre tax employee contribution
I think I have an idea of how 2018 and 2019 will play out and turbo tax should help me account for those since i am withdrawing those before April 15, 2020. My question is, do I need to handle 2020 differently since I guess it's technically not an excess contribution and more of an invalid contribution? I anticipate my 2020 W2 will say i contributed $246 to my HSA (hopefully they will not report the $150 they received back). I currently plan on just withdrawing this 2020 accidental donation like it was an excess contribution and handle it the same way as 2018/2019
