Thanks Opus. This is very informative and helpful! Though, unfortunately, it seems the quickest way to address this is also the most expensive (i.e. withdrawing everything and washing my hands of this whole ordeal)
You are right that I'm under 55. I have not spent anything out of the HSA so far. Though, my wife and I recently had our first child, so your option A, paying for all the medical expenses from the HSA may be a good option for us! I didn't know you could still use the HSA even if the contributions are ineligible. Are there any pitfalls in doing this?
