If my hsa has not exceeded the allowed $6500 a year in contributions why is it having me withdrawal $600 that my employer contributed or it will be taxed 6% ?

[BillM223]

"Allowed $6,500"? Where did you get this contribution limit from? Did you have an HDHP policy for only part of a year?

If you have a Self-only HDHP policy, your annual HSA contribution limit is $3,850; if you have a Family HDHP policy, then your limit - to be shared with you and your spouse, is $7,750. If you are 55+, then you can add $1,000 to the annual limit.

So please tell me the following:

1. The type of HDHP policy that you had in 2023

2. How many months you had it.

3. Did you have a carryover of excess HSA contributions from 2022?

4. Did you change your coverage during the year (like from Self to Family, or from Family to Medicare)?

5. Are you 55+?