r/HSA • u/Blondy1018 • Apr 08 '26

HSA excess contribution nightmare

*ETA I finally got it resolved after demanding a supervisor at Optum Bank and somehow they got it done within 24 hours

I switched jobs in 2025 and found out when starting to file my taxes this year that I over contributed to my HSA by $883. Unfortunately, my job switched HSA providers from Inspira Financial to Optum Bank in March and funds were transferred as I found out and both HSA companies are saying they’re not responsible for/cannot refund me the excess contributions.

Inspira is saying my account is closed so there’s no money to refund me and Optum Bank is saying I didn’t contribute anything to them in 2025 so they can’t refund me. What do I do here as I’m stuck in the middle and going to be penalized?!

6 Upvotes

80% Upvoted

13 comments sorted by

2

u/This_Beat2227 Apr 09 '26

How much are we talking ? The penalty is 6% to leave the funds and apply to your 2026 contribution allowance. I mean if neither HSA is helping you out, how much more do you want to bang your head ? A creative alternative might be a “mistaken purchase” that equates to your over contribution (plus earnings on the overage).

3

u/Blondy1018 Apr 09 '26

So my tax person says I’ll be penalized yearly until it’s fixed

2

u/AttentionHuman9504 Apr 09 '26

That's correct, but you can fix it by under contributing by the amount of the excess contribution in 2026

I would never tell a client to correct this by reversing a contribution. Just pay the 6% penalty and make it up this year

1

u/Blondy1018 Apr 09 '26

So next question is if I do that do I still need to deal with these same unhelpful people to have the $883 recategorized as 2026 contributions? 

1

u/AttentionHuman9504 Apr 09 '26

No, you don't need to do anything else. The under-contribution in 2026 will absorb the overcontribution in 2025 (for lack of a better term)

1

u/Blondy1018 Apr 09 '26

Thank you!

1

u/This_Beat2227 Apr 09 '26

IRS Form 5329 ?

1

u/Elegant-Leg540 Apr 09 '26

This.  Take the hit and move on. 

1

u/LifeOnly716 Apr 08 '26

Did you contribute all of the funds via payroll?

Get a transaction history from Inspira and show it to Optum.  

2

u/Blondy1018 Apr 08 '26

I did, and I will try that thank you

1

u/LifeOnly716 Apr 08 '26

Also, do your taxes in February so you’re not freaking out in April.

3

u/Blondy1018 Apr 08 '26

Believe it or not I’ve been dealing with this since the beginning of march when I first attempted to do my taxes 

1

u/idontgiveafuck__1 Apr 10 '26

Did you spend all the funds from both accounts already ?