Thank you so much for your inputs @RaifH , very very helpful! Regarding the excess $1100 contribution, I'm wondering if it would make sense to submit a Distribution Reversal Form for that amount to my HSA administrator, such that I send them a check of $1100 back, and then file another Excess Contribution Removal form after that to withdraw that money back to myself. Will this process correct everything and avoid the need for any future under-contribution adjustment or other taxation paperwork? Thanks in advance!
