No. Firstly, you can't legally remove the contributions unless you were ineligible to make them and must have them returned to avoid a penalty.
Second, you vastly underestimate the value of an HSA. Money in your HSA can be left there to grow indefinitely, and can be used to pay medical expenses tax-free at any time in your life (even if you change insurance and are no longer allowed to contribute, you can still spend the money). Some HSAs allow you to invest in mutual funds instead of just getting 0.01% bank interest. (My HSA is 20% cash and 80% mutual funds and the fund made 15% last year).
Not only can you pay medical expenses tax-free from the fund for the rest of your life, but when you turn 65, you can withdraw the money and pay regular income tax, like an IRA. So an HSA is a kind of super-IRA, you can spend the money tax-free for medical expenses or use it like a regular IRA when you retire. In fact, some investment advisors will tell you to max out your HSA before your IRA or 401(k).
https://www.thebalance.com/max-out-your-hsa-contributions-4157954
I realize you feel bad leaving the electric credit "on the table". There might have been something you could do to increase your tax if you were thinking ahead in December, but I don't know of anything you can do now.
No. You cannot defer your HSA deduction to next year.
However, if you do not use up all your non-refundable electric vehicle tax credit, the excess will be carried forward to future years to offst your tax liability.
@MinhT1 wrote:
No. You cannot defer your HSA deduction to next year.
However, if you do not use up all your non-refundable electric vehicle tax credit, the excess will be carried forward to future years to offst your tax liability.
The plug-in vehicle credit on form 8936 can't be carried forward or backward.