Hi. I ended up in a similar situation. Were you able to address this? Would you please share how it got corrected?
I ended up over contributing for year 2022 in the month of apr 2023 with post tax money while filing taxes for 2022 and also took some tax saving with that. This year I realized I was a mistake. I am not eligible for HDHP IN 2022, 2023 and 2024. but plan to have HDHP in 2025.
My hsa custodian says since I am not hsa eligible, I can not carry forward to future years. And only option is withdraw which comes with code 1 of normal distribution and subjected to 20% penality plus adding this post tax paid money to earnings again.
