HSA withdrawals in lump sum - documentation

[a60dan]

My new advisor has me considering pulling from HSA before Roth IRA, in keeping our taxable income below the threshold for the NY Essential Plan.

Once we switched to a high deductible plan, we hit the $5200 deductible every year thereafter.

If I do this, I was thinking that I could use the medical insurance statements showing the deductible paid instead of the mountain of individual visit paper that I don’t have *.

Would using the statements pass muster?

 

[Phroig]

Nobody knows exactly what the IRS wants, and it may even depend on the agent you’re dealing with, if it comes to that. It’s always best to have too many records, than not enough. We keep EOBs and receipts, electronic and hard copies.

 

[jebmke]

I've had two F8889 CP letters. I provided copies of receipts and the confirmation of my qualified HC plan. They were satisfied.