You need to be at least 55 to use the rollover to HSA distribution option. Check your input to insure your not getting charged with the 10% early withdrawal penalty. Review you HDHP questions.
What’s more, the IRA-to-HSA rollover includes a “testing period” that requires you to remain eligible for your HSA for 12 months following the transfer. This means that you must stay in your HDHP at least until the testing period expires. If you don’t remain eligible (for example, you switch to a non-HDHP), you’ll need to include the money you rolled over as income when you file your taxes. In addition, the amount will be subject to a 10% penalty.
