Is it because I withdrew it prior to the tax deadline? If so, my 2025 form 1099-SA, box 1 says my gross distribution is $328 (code 2: an excess contribution). HSA says my total contributions for 2025 is $8,288. The W-2 Box 12, code W, says the total employer contribution is $7,960. Therefore, it seems like I still have the $328 to account for. Is this true and how do I do that?
Because my wife and I know we overcontributed in 2024 (life event of a baby and accidentally exceeded family limit by end of 2024) we rolled over excess to 2025 and intentionally reduced some of our contributions temporarily to avoid exceeding family HSA max once again. Did we still contribute excess or was something not filed correctly in 2024?
