I think I understand what you suggested to do, but not what the difference it would make, or how to report it in turbotax in 2023 filings.
My understanding of your recommendation is not to reach out to HSA provider asking for excess withdrawal (it's my understanding they would send me a check in this case). Instead you suggest to use HSA for non medical purposes (say, groceries) for amount that is larger than excess + earnings from excess.
1. How does getting check from HSA provider different than spending money on non-qualifying purchases? What is the benefit of doing non-qualifying purchases?
2. If I go this way, how do I unblock my 2023 filing in turbotax?
I don't care as much if it's 6% or 12% or 100% of $54. Just looking for the easiest way to get rid of this head ache.
