@dmertz , According to the IRS notice, I did overcontribute, and I can only attribute it to the amendment of my 2021 return deducting my entire $2,900 contribution instead of $1,000. I did call IRS last year about this, but I didn't jot down notes so I am vague now about how it exactly it came about.
Regardless of how it came about, I just wanted to know how to remediate this. My path-forward is to reduce my 2024 contributions by that excess amount. So my original questions were:
1) If I do this reduction for 2024 contributions, will that resolve the excess contribution in 2019.
2) What other forms do I need to correct?
3) Do I need to pay taxes on whatever earnings for that excess contribution (as my HSA is invested), even though, the $1,900 was not really contributed, rather taken as extra HSA deduction (so it wasn't really invested).
