Apologies for replying to an old post, but I have a similar issue and I would like to confirm that my strategy will work.
@Opus 17 , I have a small HSA excess contribution from 2021 - aprox USD 700.00 total. I paid the penalty on 2021 and 2022 tax returns but I would like to avoid paying it again in 2023.
Since September 2021 I don't have an HSA plan (I'm using a basic "Obamacare" plan/HealthExchange plan). However, for 2023 I can enroll into an HSA supported plan again.
Even with this gap in HSA-supported plan from late 2021 and 2022, can I still use the excess contribution from 2021 against the new 2023 HSA-supported plan and get rid of it? (I don't plan to make any new HSA contributions, just use the HSA plan to fix the old penalty.)
thanks
Daniel.
