@qqdp wrote:
For what it's worth, I did file the information regarding the 1099-SA already and I did actually get a refund because I filed my taxes back around February.
The corrected 12W is right (I just didn't notice it when I originally file), but it also doesn't seem to affect my refund in the TurboTax app, so I wasn't sure if I should even be filing an amended return.
Something doesn't sound right. Your HSA contributions via payroll are only reported on your W-2. Your box 1 taxable wages are reduced and your contribution is reported in box 12. Turbotax picks that up and automatically fills out from 8889. You don't enter extra HSA contributions unless you made them out of pocket. You don't get a tax deduction for payroll contributions to an HSA because your employer already reduced your taxable wages.
You need to look at the form 8889 you filed. A correct form 8889 would have $3000 payroll contribution on line 9, and your contribution limit on line 3 (based on your age and the type of coverage you had). Part 1 calculates your eligible contribution.
If you reported self contributions on line 2, you must amend to remove them, and you will pay extra tax, because you were accidentally double-dipping.
If your original form 8889 has no entries in Part 1, then adding the payroll contributions on line 9 will not change your tax, but will be required by the IRS to certify that you are eligible to make contributions. When the IRS sees a W-2 with $3000 in box 12 code W, and no matching entry on form 8889 line 9, they may send you a letter assessing tax and a penalty on the basis that you were not eligible to make HSA contributions. The IRS does not have to take anything for granted unless you put it in writing. Even though you won't change your tax or refund, amending may prevent you from getting a tax assessment that you would then have to answer with a detailed explanation and proof of your eligibility.
