Multiple year HSA Contributions in Excess

I don't see this specific circumstance in other questions.

I contributed the max individual HSA in 2022, 2023 and 2024 since I had high deductible PPO, then in Nov 2025 I got notified that social security disablilty found me disabled and retroactively gave me medicare as of June 2022. I have also used some of my contributions for medical expenses each year.

-Do I need to amend taxes for 2022, 2023 and 2024?

-How can I avoid penalties since I was following all the rules. I didn't expect to get Medicare retroacive to several years before disability approval.

-If I withdraw entire HSA account balance currently left will this help? If so do I need to do it before 12/31/2025 or before 04/15/2026?

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