You make the withdrawal with the due day, which includes extensions, of one's 2023 tax return (but see the following
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The distribution is not really topic to the additional 20% tax. Report any earnings within the account following the date of Loss of life as revenue with your tax return.
In 2023, that you are an eligible unique and possess relatives HDHP coverage. In March, you divorce and alter your protection as of April 1 to self-only. Neither you nor your ex-husband or wife qualify for the additional contribution volume. Your ex-spouse ongoing to own spouse and children HDHP protection and was an qualified specific for the entire yr.
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Any excess contribution remaining at the end of the tax year is subject to the additional tax. See Form 5329.
In the event you fall short to remain an suitable unique all through this period, other than thanks to Loss of life or becoming disabled, you will need to consist of the competent HSA funding distribution in revenue during the calendar year during which you are unsuccessful to become an qualified personal. This quantity is additionally matter to a ten% more tax. (See
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