Hi @dmertz, I'm running into some issues with the HSA custodian. It's not clear they understand how the IRS forms should be filled out, and they have cast a shadow of doubt. They suggested I may need to withdraw the entire $3,600 for 2022 (rather than the $3,524.50) but everything I have read says I should factor the loss into the distribution. So that's one question.
But the main question is, if they combine the 2022 and 2023 distributions on a single form, should box 2 still show the $125.60 gain (from 2023)? Or should it show combined net gain/loss for both years, which would show a gain of $50.10? Box 1 would show the same value of $5450.10 either way.
(Note: I had to update these numbers by a few cents because a little bit of interest trickled into the account after my previous reply, but am still referring to the original values in this reply to avoid confusion.)
