So, are you on Medicare now?
"Seems like it is too late to take out the excess contribution for 2024 taxes" NO, it's not.
1. Go look at your HSA custodian's website to see if you can request a "withdrawal of excess contributions" online. If you can, print off the request and put it in your tax files. If you request the withdrawal by April 15th, then you can argue that you made a good faith effort to comply with the rules.
2. Alternatively, file an extension today (like right now). If you file an extension, then you have until October 15th to withdraw the excess contribution.
From Pub 969 (page 8 ):
You may withdraw some or all of the excess contributions and avoid paying the excise tax on the amount withdrawn if you meet the following conditions.
• You withdraw the excess contributions by the due date, including extensions, of your tax return for the year the contributions were made.
Then, if you file for an extension, you have six months to straighten this out.
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