Why am I told the HSA contribution made in 2022 is over-contributed when I and my employee contribute $1960 in total? There's no Form 5329 from 2021 indicating that.

I've been with the same company and the same HSA contribution setting for 5 years now, and like I said, didn't even receive the form 5329 from my 2021 tax return regarding any excess contributions.

I checked and my health plan does say HSA, so I'm obviously eligible. I'm single, so my limit is $3,650, which I'm didn't go over.

Is it because I didn't spend any in 2022? I doubt it, but might as well confirm it.

But can somebody kindly tell me how to resolve this error, since I do not believe I am over-contributing from all the research I've done.