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Level 2
posted Apr 11, 2025 8:41:00 AM

Do I need to file form 8889 if I neither made contributions to or took disbursements from my HSA?

I was unemployed in 2024. I neither contributed to nor took disbursements from my HSA. In fact the provider switched over and I've actually been unable to access my funds (a separate issue). 

I still HAVE the HSA from my prior job (was laid off in 2023), but no contributions were made in 2024, and no disbursements were taken. 

Obviously being unemployed I'd like to not spend $79 on Deluxe just to file this form. I did not have unemployment income either, so thus far, this would be the only thing requiring me to upgrade. 

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1 Replies
Expert Alumni
Apr 11, 2025 8:46:52 AM

No, you do not need to file Form 8889 unless distributions or contributions were made to your Health Savings Account (HSA) during the year.  

 

The other two conditions that would require you to include Form 8889 as part of your return are either inheriting an HSA, or carrying over an excess contribution from a prior year.

 

Simply having an HSA with no activity during the year does not require Form 8889.