see if your HSA custodian will accept a check to your wife endorsed over to you.
Because the refund was in 2024, it's unknown if the insurance company will issue any type of tax form for 2024
If you pay a medical bill using your Health Savings Account (HSA) and later receive a refund from your insurance company, the refunded amount should be deposited back into your HSA to avoid tax penalties. This is because the expense for which you used your HSA funds is no longer considered a qualified medical expense after the refund. (I assume you were the owner of the Optum HSA so switching between accounts you own should not matter) There is no such thing as a joint HSA - one taxpayer per account
- Deposit the Refund: Deposit the refund check into your HSA.
- Mistaken Distribution: If you’ve already claimed the expense, you may need to fill out a form indicating that the refund is a correction of a mistaken distribution to ensure it doesn’t count towards your annual contribution limit.
- Keep Records: Maintain records of the transaction to show that the expense was initially paid from the HSA and that the refund was returned to it.
