Thanks @Mike9241 .
I have an HDHP with family coverage. The HSA is in my name. I made no contributions to the HSA in 2024, as I mistakenly thought Medicare coverage (for both of us) would begin in January.
Our joint 2023 return was filed on time and not extended. Sounds like I should take a distribution of the excess funds from 2023 (and pay tax on it) to avoid a perpetual 6% penalty. Do I do that by amending my 2023 return or somehow addressing it on my 2024 return?
I appreciate your advice.
