@Dshow wrote:
Thank you. You seem to have a good understanding of the situation. I had self only coverage. TT says I had a contribution limit of $388, which makes sense. I didn't want to mess with any contribution, so I withdrew all the $1000 employer contribution. Unfortunately, I don't think I have $612 of unreimbursed medical expenses...
Thanks-
What expenses do you have for 2022?
Also, you can apply an HSA withdrawal to any unreimbursed expenses you ever had, as long as they occurred after the HSA was opened. For example, if your HSA was opened in 2019, and you have $30 for contact lens cleaner from 2020 that you never requested reimbursement for, you can consider this a reimbursement for those older expenses.
Also, if you are enrolled in Medicare Part B or Part D, those premiums are eligible to be reimbursed from an HSA.
I'll bet you can come up with $612 of medical expenses. You would just need to be able to prove it in the unlikely event you are audited. Make a list or spreadsheet with the best evidence you can locate.
Allowable expenses are the same as those listed for the expense deduction here.
https://www.irs.gov/forms-pubs/about-publication-502
