@BillM223 I'm also having the same issue (excess of $X, but already withdrawn $Y), question regarding your "solution": what exactly should I do in 2024 tax return and in 2025 tax return respectively?
My understanding is in 2024 tax return I should only report $X excess contribution withdrawn.
In 2025 tax return I need to report $Y-X as distributions(with medical expenses), is that correct? But I guess I will receive 1099-SA with $Y and distribution code=2, right? Will that be an issue?
Thanks.
