You are reading Pub 969 correctly. However, you have received a 1099-SA. The HSA custodian who sent you the 1099-SA also sent a copy to the IRS, so when the IRS sees your 8889, having the 1099-SA recorded on it will match the form that they received. So unless you plan on doing another transfer again within a year, it's easier just doing what I outlined above rather than wasting your time trying to get your HSA custodian to do the right thing. Life is too short.
"I made 3 trustee transfers last year " - did you get 1099-SAs for each of those? Or were they all from the same HSA custodian to the other, so the transfers were aggregated into one 1099-SA?
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
