@Confused43 - no you can't
the distribution window is literally Jan 1 - Dec 31 of the tax year. Otherwise, the only way to rectify over contributions are
1) request the excess be returned by the administrator (must occur by April 15 of the next year, so Apr 15, 2025 for the 2024 tax
2) reduce your 2025 contributions by the amount of the excess.
3) distribute the excess in 2025 with supporting medical expenses.
#2 and #3 will cause the excess to be taxed at 6% on 2024 tax return.
