you'll need to file amended returns for 2023 and 2024. in the 8889 /HSA section of Tuirbotax indicate you did not have a HDHP. this will result in form 5329 being generated and you will lose any HSA deduction and owe a 6% penalty on the lower of the contributions or account balance
contact the administrators and tell them you are withdrawing excess contributions from 2023 and 2024 in 2025 you'll need to withdraw the entire balance. you will pay taxes on the income and be subject to a 20% penalty for the nonqualified HSA withdrawal.
