So I'm looking for advice on this (seemingly) common issue.
We unfortunately didn't know that my spouse couldn't have an HSA if I had an FSA, which we both had for the entirety of 2025. Reading over how to fix the issue, I see that we're supposed to reach out to the HSA custodian and request a removal of excess contributions.
We spoke with several staff, escalated, etc., but they all told us this just wasn't something they could do. Confusing to me after what we've read, but…
The amount was only about $300 personal contribution, and $300 employer contribution, and it's already been spent ($0.00 remaining balance) on relevant medical costs. We've also not signed up for HSA contributions this year. My question is, where do we go from here? Is there a specific form I should include on our taxes, will we HAVE to force our HSA custodian to remove the excess, is there a one-time forgiveness where we don't have to worry about this?
We're a bit of a loss as to what to do, and we've been going back and forth with the HSA custodians with no real progress and the tax deadline nearing.
Any additional info needed, happy to provide. Any advice is greatly appreciated!
Spouse had HSA, I had FSA, Custodian "Can't Do Anything"
byu/Indiction inpersonalfinance
Posted by Indiction
2 Comments
On 12/31/2025, how much balance was in all of her HSA accounts combined?
[deleted]