Hello, I'm hoping someone could help me with my situation... I believe I was eligible to contribution self - post tax money in an HSA account because I have HDHP but was not aware that I have received the Medical reimbursement fund from my company - it's also "general medical reimbursement". I've tried to contact the tax advisor but it's costly ($7xx) - I did try to ask ChatGPT multiple times and I got different answers every time. I feel like the blind leading the blind. Bottomline, I just want to fix it - I believe I was eligible to contribute but turned out, I've made a mistake... My situation was, I have contributed max for 2023, 2024 and 2025. so far, I have removed the contribution out from the account with the reason of "mistakenly contributed" I understand that I'm good with 2025 as it's within the deadline of this year. However, 2023 and 2024 had passed. How should I fix it? In 2023 and 2024, I also taken a deduction when filed the tax for both years as well... I don't think I won't be become eligible any time soon (as long as I choose to stay with the same company). What is the best way to fix the issue... I know I might have to file 1040x, 5329 and 8889? I also know that I'd need to pay 6% and 20% penalties? If so, do I need tax advisor to do it for me? Or I can send out the docs myself..... I have read tons of articles and posts in many websites but again, it seems there're various responses and answers so I would hope anyone here can help me...
Please help. Thank you so so much in advance!
