Thank you. I thought about it and realized that the HSA administrator would have no way of knowing which money was returned to me and my former employer did not intend this as a gift direct to me to spend as I wish. It made no difference whether I reached the $4650 max by my own contributions or those of my former employer. The HSA does not allow money to be reclassified to another year; it only returns money. I had to pay a $25 fee and spent time trying to get the overcontribution back with a required special Medallion signature form. This year I am on the lookout for that $500 before contributing anything that might bring me to exceed the allowable contribution.
