How do I withdraw excess HSA contributions?

To withdraw excess HSA contributions and avoid the 6% excise penalty, please use the following steps:

1. You'll need to contact your HSA or HSA representative. HSA plans should have a phone number, and/or a website with contact information.
2. If you're calling your HSA representative, explain that you need to make a withdrawal to correct an excess contribution. Some plans have a form on their website that you can fill in and mail directly to the HSA.
3. You'll need to withdraw the excess contributions as well as any earnings on the contributions themselves. For example, if you contributed $100 over the limit, and had 5% earnings, you'd need to withdraw $105.
4. If the HSA sends you a check, copy the check and keep it for your tax records along with your other HSA documentation.
5. The 1099-SA that the HSA sends should reflect this withdrawal.

Note: Excess HSA contributions from years prior to 2025 can't be withdrawn at this point.

What can I do about excess contributions that I can't withdraw?