Fantastic. Thanks @BillM223 for working through this with me!
To summarize, I'll ignore what you said earlier about matching expenses to the $3,650 and modifying the 1099-SA to be code 1.
Instead, I'll do an additional personal contribution of $3,650 for TY2024.
This leaves me with a total contribution of $4,150 (employer) + $3,650 (carryover) + $3,650 (personal), of which:
- $4,150 goes towards the annual HSA limit for self-only plan
- $3,650 continues to carry over to TY2025
- $3,650 is a true excess contribution from TY2024, which will balance out the $3,650 return of excess from my 1099-SA, code 2
Any other potential issues I should be aware of?
