dmertz
Level 15

Deductions & credits

"How long do I have to repay my H.S.A. if I accidently used H.S.A. funds for non medical expenses in 2022?"

 

The proper answer depends on the nature of the distribution.  If you reasonably thought that the distribution was being used for a qualified medical expense, then HelenC12's answer applies.

 

However, if the mistake was just that you did something like use your HSA debit card to pay for something you knew was not a qualified medical expense, the money would have to be put back into the HSA by rollover where you have only 60 days co complete the rollover (and is permitted to be done only if you had done no other rollover within the 1-year period ending on the date of the distribution).  If you did not roll over such a distribution by the 60-day deadline, the distribution is not permitted to be put back into the HSA and to make the distribution nontaxable you would have to be able to apply it to a qualified medical expense.