We had a HDHP plan in 2019, but in 2020 switched to a different type of health insurance. I have two questions:
1. In 2020, I made HSA contributions *for tax year 2019*. Are these contributions still valid and eligible for the HSA tax benefits even though we don't have a HDHP plan in 2020? I think they are, but want to confirm.
2. I forgot about the HDHP requirement for HSA contributions and made some HSA contributions in 2020 *for tax year 2020*. Some of those funds have been used for medical expenses; some have not. I now realize I shouldn't have made those contributions. I don't think this affects 2019 tax filing, but looking ahead to 2020 taxes, what is the best course of action to take given that these mistaken HSA contributions have already been made?
