So answering "none" back to February adds an additional question/complication. As you predicted, answering "none" for Feb-Dec generates a maximum contribution limit of $600 and an excess contribution of $2908. The problem with this is that the HSA value as of 12/31 is only $1497, so it isn't possible to withdraw the entire excess contribution to avoid the 6% penalty. Do I have to check that I will only withdraw some of the excess by 4/18/22 and enter the $1497 for the amount I'll withdraw? Also, I lost coverage for the entire family under the HDHP in Dec (I left that company). Can I still do what you suggested and open up a new HSA for my spouse by 4/18/22 and contribute $2908 to avoid the taxes and penalty? Also, just to confirm, you aren't saying I can transfer from the old HSA to the new one, right? I would have to use up the old HSA on qualifying expenses and separately fund the new HSA with new contributions, right?
