In January of 2017, I opened a private HSA account at a local credit union and contributed the maximum amount allowed for the 2016 tax year, because I thought my HDHP was eligible for an HSA account. Now it's 2018 and I have not contributed any further amount to the HSA and now I just found out I was not eligible for the HSA. What should be my next step? What are my options? should I contact the credit union and convert the HSA account to something else? should I amend my 2016 tax return to include the contribution as income?
