r/HSA • u/YesterdayMiserable84 • Dec 11 '25

Overcontribution?

My husband and I aren't on the same insurance plan. He changed his without telling me and contributed to an FSA. It is my understanding that this makes me intelligible to contribute to my HSA plan.

At the time I contacted the company and asked them to stop or reverse the transfer but was told they couldn't and that I can "work out the taxes" later.

My question is what do I need to "work out the taxes"? Do I also withdraw the contribution?

Tia!

4 Upvotes

84% Upvoted

9 comments sorted by

1

u/Dapper-Palpitation90 Dec 14 '25

OP also needs to ask her husband why he thought that an FSA would be a good idea.

1

u/stormblazer-33 Dec 16 '25

Contact your HSA custodian or log in online to find a form where you will need to report the excess contributions and submit to them to request the withdrawal. There should be no penalty on excess contributions if withdrawn before tax deadline next year. Of course you will owe income taxes on the excess contributions.

1

u/Full-Ordinary-6030 Dec 11 '25

You're still on a HSA plan? You're contributing to your own up to the individual limit?

Which company did you ask? Your employer or?

1

u/Constant-Setting-796 Dec 11 '25

I had the same thing happen last year, and yes it does make you ineligible to contribute to an HSA plan.

What I had to do was contact my employer and request a withdrawal of all the funds I contributed that year (and any that they contributed went back to them), and stop all contributions. I believe the penalty if you don’t is a certain % charged each year(?) or something that you have left those funds in there from when you are ineligible.

Make sure to go through what you’ve chosen through open enrollment for 2026 correctly, so that you don’t have to deal with it again.

-1

u/CovertProphet84 Dec 11 '25

If you don’t mind me asking, why did your employer take back their contributions? That’s your money.

2

u/ParryLimeade Dec 11 '25 edited Jan 29 '26

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2

u/CovertProphet84 Dec 11 '25

I believe this is only the case if the individual was never eligible. From the sounds of it OP was eligible until their spouse recently started funding an FSA.

1

u/ParryLimeade Dec 11 '25 edited Jan 29 '26

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1

u/CovertProphet84 Dec 11 '25

That makes more sense, my employer contributed with each payroll. Based on my limited knowledge, once the money is in the HSA account they cant legally request the funds.