n 2025, even if you did not contribute to your HSA, you can still use the funds in your HSA. Distributions from your HSA are reported on form 1099-SA. If the distributions are used for medical expenses, they are not taxable.
In TurboTax Online, after entering your form 1099-SA, in the follow-up interview, on the page titled Tell us about your HSA spending, check the radio button I used all the money for medical expense only then Click Continue. The distributions will then not be taxed.
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