Overfunded HSA: I used my one time ability to fund an HSA with my IRA money. I’m retired and turned 55 in 2018. I funded the account with the full $7900, unfortunately forgetting that my husband had an HSA also. TT wants me to pay back the overage to avoid the 3% penalty, but I’ve used $4200 in 2018 and only have $1800 left this year. Is my only option to just pay the 3% penalty?
