@Mike9241 wrote:
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.
This is incorrect. It is too late to make a special withdrawal of the 2023 and 2024 contributions. Talking to the plan administrator will only confuse things because they can't do a special withdrawal. If you want to remove the excess 2023 and 2024 contributions now, you just make a regular withdrawal, and then not use it for medical expenses. That will trigger the income tax and 20% penalty on your tax return.
