I have an HSA but did not use it for ANY purchases. I had zero distributions and accordingly do not have a 1099-SA. What do I do?

[kwgilliard]

I did not touch my HSA this year. My employer made contributions, but I did not.  Turbo Tax is requiring me to upgrade and submit 1099-SA info (which doesn't exist). What do I do?

[BMcCalpin · Accepted solution]

The IRS requires you to file a form 8889 if any contributions were made to your HSA or distrbutions taken from your HSA. The form 8889 is completed based on the answers that you give in the HSA interview.

While the HSA interview refers to the 1099-SA, you don't actually have to enter one to complete the HSA interview.

Since your employer made the contributions to your HSA, there is probably an amount on your W-2 in box 12 with the code of "W". This is your employer's contribution, and TurboTax carries it automatically to the form 8889.

Because you don't have any distributions (the 1099-SA) and since you didn't make any contributions outside of your employer, while you do have to do the HSA interview, you won't have to enter any dollar amounts, but you will need to answer a series of questions.

You want to do this because without a completed 8889, the amount of money that your employer contributed will be considered taxable instead of being tax-free like it should be.

Be sure to complete the entire HSA interview in order to get your tax break.

[Riri]

@BMcCalpin I'm also in this exact situation. I had contributions made by my employer which are stated in my W2, but I never used the money, therefore I have no 1099. By the "HSA Interview", do you mean I have "check off" HSA and pay for Deluxe? 

When I check off that I had the account, I'm led to a page that states I have to get Turbo Tax Deluxe to move forward. See images.

[VictoriaD75]

Contributions to your HSA are reported on your W-2. However, you will receive a 1099-SA from the plan administrator if you made a distribution. Even if you do not receive a 1099-SA, you must file Form 8889 before you can deduct your contributions to the account.

This form is not available in the Free Edition. You must upgrade to Deluxe. I have included a link below with a comparison of the forms found in each product as well as a separate link regarding information on Form 8889.

Forms Available in TurboTax Online Products

What is Form 8889?

[metac79]

I. did not get a 8889 form. what do I do?

[BillM223]

You don't receive a form 8889 in the mail; instead, TurboTax creates this form and includes it in your return based on the entries you make.

If you made any contributions to or took distributions from your HSA, then you have to indicate in TurboTax that you have an HSA, and the 8889 will be added to your return.