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Form 8889 and its instructions, such as legislation enacted

Form 8889 and its instructions, such as legislation enacted-2025

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The document provides instructions for Form 8889 related to Health Savings Accounts (HSAs) for the tax year 2024. It outlines recent developments, including expanded preventive care benefits under high deductible health plans (HDHPs), and clarifies that expenses for condoms are now considered medical care. The form is used to report HSA contributions, deductions, distributions, and any additional taxes owed if eligibility requirements are not met. Key definitions, eligibility criteria, contribution limits, and specific instructions for completing the form are also included.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What happens if I dont report my HSA on taxes?

Not reporting contributions or distributions for your HSA can result in penalties and interest, affect taxable income calculations, require amended returns, and increase the risk of an IRS audit.

Why is TurboTax asking me about form 8889 T?

This is caused by the fact that TurboTax does not acknowledge that an HSA could exist without a high deductible plan. Hence it will insist on you filling out a form 8889, even though there is nothing to put on it. When you try to not fill in the radio buttons on 8889, TurboTax will not let you e-file.

Does having an HSA affect my tax return?

All contributions to your HSA are tax-deducible, or if made through payroll deductions, are pre-tax which lowers your overall taxable income. Your contributions may be 100 percent tax-deductible, meaning contributions can be deducted from your gross income.

Do I have to file form 8889 if I have an HSA?

Put simply, the IRS uses Form 8889 for HSA reporting. If you hold an HSA account (or are the beneficiary of a deceased HSA holder), youre required to attach Form 8889 to your Form 1040 when filing your personal income tax or information return. If you fail to do so, youll be unable to deduct your HSA contributions.

How do I get my form 8889?

Go to .irs.gov/Form8889 for instructions and the latest information. Name(s) shown on Form 1040, 1040-SR, or 1040-NR Social security number of HSA beneficiary. If both spouses have HSAs, see instructions.

Can I leave my HSA off my taxes?

Keep in mind, if you withdraw the remainder of your account when you close your HSA and dont roll over to another HSA or use the dollars for eligible medical expenses, you must report the withdrawals as income on your income tax return and you will owe a 20% additional tax penalty before age 65.

Do I have to report HSA on taxes if I didnt use it?

You may get both a 1099-SA and 5498-SA from us. IMPORTANT: You wont receive this form if you didnt take a distribution from your HSA in the prior year. The 1099-SA is used to report any distribution of funds from your HSA during the prior year. You must report distributions from your HSA on IRS Form 8889.

Does the IRS check your HSA?

Does HSA spending trigger an audit? The IRS doesnt monitor how you spend your HSA funds throughout the year, but that doesnt mean they wont ask for proof that your expenses were eligible. And if your tax return contains unrelated IRS audit red flags, your risk for an HSA audit could increase.

Form 8889 and its instructions, such as legislation enacted-2025

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Got questions?

What happens if I dont report my HSA on taxes?

Why is TurboTax asking me about form 8889 T?

Does having an HSA affect my tax return?

Do I have to file form 8889 if I have an HSA?

How do I get my form 8889?

People also ask

Can I leave my HSA off my taxes?

Do I have to report HSA on taxes if I didnt use it?

Does the IRS check your HSA?

Related links

Try more PDF tools

Form 8889 and its instructions, such as legislation enacted-2025

Here's how it works

The fastest way to redact Form 8889 and its instructions, such as legislation enacted online

Complete this form in 5 minutes or less

Got questions?

What happens if I dont report my HSA on taxes?

Why is TurboTax asking me about form 8889 T?

Does having an HSA affect my tax return?

Do I have to file form 8889 if I have an HSA?

How do I get my form 8889?

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People also ask

Can I leave my HSA off my taxes?

Do I have to report HSA on taxes if I didnt use it?

Does the IRS check your HSA?

Related links

Try more PDF tools