Do I need to file 1099sa form, or can I use the regular Free Filing Edition of Turbo Tax without being penalized if I'm not employed and have a 1099sa from an old HSA?

[christopherboyer]

I got an HSA with an insurance plan back in 2015 or 2016 that was provided through my employer at the time. So in the previous years i have filed on Turbo Tax with a deluxe account or something because of having the HSA and not being able to use the free edition. I no longer have that insurance and the funds on the actual HSA dwindled to $0 from constant monthly maintenance fees. So my question is can I file with the regular edition of Turbo Tax, regardless of receiving this 1099sa? Since I no longer have the insurance or any contributions to the amount. I'm really confused and also broke from being unemployed at the moment otherwise i would've just followed suit like i did with the special edition of turbo Tax last year. Please help.

Sincerely Grateful

[BMcCalpin · Accepted solution]

Are you saying that you received a 1099-SA for distributions that you took in 2017 (that is, payments made for medical expenses)? If so, you have to file an 8889 with your return, which, as you know, requires TurboTax Deluxe.

However, if the only distributions in 2017 were from monthly maintenance fees, then the HSA administrator should not have sent you a 1099-SA, because the IRS says that these fees are not distributions. In this case, contact your HSA administrator and ask then to correct this (i.e., tell the IRS "nevermind" on the copy of the 1099-SA that the HSA administrator sent to the IRS). And in this case, you can go back to the Free edition (assuming everything else is equal).

As a reminder, if you made any real distributions from your HSA or you (or your employer) made any contributions to the HSA in 2017, you have to file the 8889, and use Deluxe. Research what this 1099-SA is really for and that will give you the answer.

[christopherboyer]

it says $26.00 in the "Gross Distribution" Box, the two other boxes say 0, im still waiting for a call back from the bank i had this account with

[nlvlach]

I FILLED MY TAXES AND WAS ACCEPTRD  BUT GOT MY 1099SA LATER. 1099sa

[CatinaT1]

If you filed, it is like dropping it into a mailbox - you cannot get it back.

You'll have to wait until your return is either accepted or rejected.

• If rejected, you can make any necessary changes.
• If accepted, you'll need to amend your return. 
• To avoid unnecessary delays, do not amend until your original return has been fully processed.  You will need to print and mail the amendment.  
• Allow 8-12 weeks for processing.

See this TurboTax FAQ for help with amending.

You can check the status of your amended return here, but allow 3 weeks after filing for it to show up.