Thank you for this tip. It’s more useful than any answer or attempts I’ve been trying to make with HealthEquity.
Does that work in my case if I don’t even have the distribution? HealthEquity is not even allowing me to distribute or withdraw the money. So the earnings are stuck in the HSA account. Could I still report that as an unqualified distribution?
follow up, what if come 2025 (time to file for tax year 2024), HealthEquity reports a 1099-SA and reports the earnings on box 2, but it’s the amount they didn’t let me withdraw in 2024, how do I report that in my taxes since the form clearly states the amount as earnings?
