Thank you so much for your explanation. One more question: If decide to exhaust the carry-over remaining balance now and then back to HSA, then what to do with the already contributed HSA fund from 01/01/25-current? Withdraw it? Contact with the HSA company? Will there be an additional tax (10%) besides the income tax on those contributions/withdrawals? and penalties? How about the employer contribution?
After the fund is exhausted in March, continue to contribute to HSA (basically next month in April). Is there a rule that the 2025 HSA contribution is through 4/15/2026? So in 01/2026, two contributions can be made (one for 2025 and another for 2026)?
