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Old 03-09-2018, 10:55 AM   #41
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Just to be clear, I can withdraw from DHs HSA to reimburse us for 2015, 2016 and 2017 expenses, can't I? Those years were non HDHP plans. No contributions made.
Right - for reimbursing those older expenses you’ll have to use DH’s HSA. Expenses incurred after you open your individual HSA, you can reimburse from either.
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Old 03-09-2018, 11:16 AM   #42
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I guess I don't fully understand what you can claim of past expenses.

Say I opened an HSA in 2014 and only put $100 in.
I did not have an eligible plan in 2015-2017.
In 2018 I have a plan again, and put in the max, $4450 including the over 55 catch up contribution.

If I had $1000 eligible expenses in each of 2014-2017 could I go back and use those to withdraw from my HSA? Or could I only pull $100 total for those years (plus gains??).
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Old 03-09-2018, 12:34 PM   #43
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Originally Posted by RunningBum View Post
Say I opened an HSA in 2014 and only put $100 in.
I did not have an eligible plan in 2015-2017.
In 2018 I have a plan again, and put in the max, $4450 including the over 55 catch up contribution.

If I had $1000 eligible expenses in each of 2014-2017 could I go back and use those to withdraw from my HSA? (snip)
Yes, the amount initially deposited does not matter. It only 'activates' the account to determine when you can start claiming qualified expenses. You could withdraw $4000 if you did not itemize the 2014-2017 expenses on the tax returns.
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Old 03-09-2018, 01:16 PM   #44
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Yes, the amount initially deposited does not matter. It only 'activates' the account to determine when you can start claiming qualified expenses. You could withdraw $4000 if you did not itemize the 2014-2017 expenses on the tax returns.
In fact some companies are kind enough to deposit $1 the day you open an HSA account online so the clock starts that day, even if it takes a few days to transfer an initial deposit.
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Old 03-11-2018, 09:54 PM   #45
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HSA Bank confirmed they do not charge a fee for this.
I called (chatted over the internet) and mine confirmed that they are waiving the fee. Since is was as simple as sending in a form, I went ahead and requested my $50 excess be returned. They did say to put on the for that it is due to the IRS change.
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The 2018 HSA contribution is reduced in March
Old 03-12-2018, 03:58 PM   #46
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The 2018 HSA contribution is reduced in March

My HSA is with Fidelity and just out of curiosity I called them. They are aware of this situation and made the roll back so simple that it took me about 40 seconds to click on few options to have this rolled back. No need to print the form, fill and send -- all online and no charge. Much better than paying excise tax of $3 and hassle to fill additional form at tax time in 2019. This is what Fidelity sent me while I was on phone with them.

>>>>>>
Request a Return of Excess on Your Fidelity HSA
Complete this request if you have made an excess annual contribution to your Fidelity Health Savings Account. This can be completed online or by downloading and mailing the completed form to Fidelity. Questions? Call us at 1-800-544-3716.
Click here to request a return of excess online >
Click here to download the form >
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