If I don't have a 1099-SA, can I just take the total withdrawal amount for the year from my last statement?

[BMcCalpin · Accepted solution]

First, did you have any distributions in 2018? That is, did you pay for any qualified medical expenses in 2018 using your HSA? If no, then you won't be sent a 1099-SA and you won't need to enter it.

If yes, the the HSA administrator is required to send you a 1099-SA. Go and look at the HSA administrator's website - it's quite possible that you can download it from their website. Otherwise, call the HSA administrator and ask for your 1099-SA.

The 1099-SA is what is reported to the IRS, so we want that whatever use you match what the IRS has received.

[laurynrecchia]

I'm assuming using my HSA debit card for payment counted as a distribution? Silly question I know...

[BMcCalpin]

Yes, that is the usual (but not only) way to take distributions from your HSA.