Essentially, you have to wait until at least Jan 28 to transmit/file your taxes. (at least that's the Date what showed up when I finished my taxes) .
"File Form 8889 to: Report health savings account (HSA) contributions (including those made on your behalf and employer contributions). Figure your HSA deduction. Report distributions from HSAs. Figure amounts you must include in income and additional tax you may owe if you fail to be an eligible individual."
My HSA Provider is Fidelity. They have not completed the 8889T for me yet.
I too have to wait. They have to have it sent to you by Jan 31, more likely they will deliver it or have it ready to download before the 31st.
ALSO
The IRS has Published that they wont begin processing returns until 2/12/21.
You can - submit your taxes , but it wont process until then.
When you get the 8889 form, that will enable you to then Submit/Transmit/aka "File" your taxes.
(This year is not not like any other, due to COVID-19, stimulus, etc...)
Once you File electronically, your return will be queued until 2/12/21 processing begins.
