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Deductions & credits
@BillM223 , yes my contributions were through my employer, so I need to justify the 1099-SA.
I first funded the HSA in 2022, though as I've mentioned, I wasn't HSA-eligible until 2024. I've also been tracking my HSA-eligible expenses since 2022. Between 2022-2024, I am just shy of $3,650 in expenses. Adding expenses from early 2025 puts me over the $3,650 threshold.
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Now that we're on the same page about the $4,150 being through my employer, I do want to revisit the previous idea I mentioned. Instead of doing the above, could I make $3,650 as a personal contribution for TY 2024? Then I will have $4,150 (employer) + $3,650 (personal) + $3,650 (carryover) total contributions, of which TT says I can withdraw $3,650. That's the same amount as the 1099-SA.
(This is what my HSA custodian suggested I may be able to do.)