So I believe we will have the same situation here at my household. I believe we are over by about $500 give or take. If I am reading the below reply correctly, if I have the funds in my account or in both our accounts at the end of 2019 then we can have the amount withdrawn and sent to use via check, from our HSA institution. So I tell TT I am doing that and I do, what happens then? I won't have any excess that rolls over to 2020 so I wouldn't be charged the 6% tax right? I am also assuming that by withdrawling it that is taxed at a lower rate or something correct?
