I've been told by my employer, in health insurance, that "there is no requirement to spend the money amount per year in my HSA"
But while for taxes, I've told on turbotax that I have an excess contribution. And I'd have to withdraw money from my HSA. I went to a taxpreparer instead yesterday and I've been told that I needed to withdraw more from my HSA in order not to owe more in taxes. She said "every year what I don't use gets added into my income"
I am so confused. Because I thought an HSA the point of it was to save up money towards retirement. So why do I have to spend it/spend a certain amount? My cap was 3,850 in 2023. I spent 2,519.28 in my gross distribution. How do I go about this? I'm being told different things from turbotax, to my tax preparer, to my HSA employer.
