No, you do not need to spend all of the funds in your HSA every year. Form 8889-T is used to report HSA contributions, distributions, and withdrawals. The expenses for surgery would be included as a distribution. You don't receive Form 8889 in the mail or online; it is created by TurboTax as part of your tax return process.
The HSA bank that holds your funds for you issued Form 1099-SA which shows the distributions for the year. That form is entered into your return and TurboTax creates Form 8889-T. The HSA bank should have issued Form 1099-SA to you by now. Check your online account for the HSA bank to access the form. When you enter Form 1099-SA, Form 8889-T will be created.
Form 8889-T is used to report HSA contributions, distributions, and withdrawals. The expenses for surgery would be included as a distribution. You don't receive Form 8889 in the mail or online; it is created by TurboTax as part of your tax return process.
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