Hi, I gurt my back in 2010, had 3 back surgeries. Employer has BOT contributed to my HSA since 2010 and neither have T. I use it for meds and Dr visits. Mt tax person started putting it on my tax forms since 2020 and now I owe the IRS (state and Fed.) almost $10,000. My income is $5000 but the pension part used to pay the mortgage but now is $200. 00 short ever month out of my Soc. Sec. 0f 2900. With 4800 in bills each month, there is no way I can pay the IRS too. Is no money has gone into the HSA for 15 years, should it be taxable?