Contribution on ineligible HSA

Hello,

I contributed the max contribution in 2022 and 2023 and also invested those contributions to gain earnings. I realized I did not qualify all this time in 2025 and looked into correcting this.

Does this mean I will now be double income taxed from both the contribution and withdrawl?

Here is what I am doing and please let me know if I am missing something.

2022: Amending tax to repay income tax on 7300 contribution. Pay 6% fee on year end balance of account.

2023: Amending 7750 contribution. Pay 6$ fee on year end balance of total account

2024: did not contribute. Did not withdraw. Paying 6% on total balance.

2025: I was told by HSA account that I cannot do a withdrawal of excess form for 2022 and 2023 as it's past deadline. Withdrew account completely from HSA. Does this mean I have to pay the entire amount of the account now as income tax again along with the 20% fee for non medical use? Even after amending and paying back the income tax of contributions from prior years?

posted