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Level 1
posted Jun 1, 2019 11:39:47 AM

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

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1 Best answer
Level 13
Jun 1, 2019 11:39:48 AM

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.

3 Replies
Level 13
Jun 1, 2019 11:39:48 AM

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.

Level 1
Jun 1, 2019 11:39:49 AM

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

Level 13
Jun 1, 2019 11:39:51 AM

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