You will get a form 1099-SA from the HSA bank if you withdrew money. If you did not get a form in the mail, check your online account access or call them. When you enter the 1099-SA, be sure to complete the entire interview section, since the withdrawal will default to being taxable unless you answer the questions to say that you used all the money for qualified medical expenses.
You can use your HSA for medical expenses even if you did not contribute this year and even if you are not eligible to contribute. The rules for withdrawals are separate from the rules for contributions.
