I learned this the hard way too! Another option if your money is tight right now - you can actually reimburse yourself for medical expenses from ANY previous year, as long as the HSA was already established before you had those expenses. So if you had other medical costs in previous years that you paid out-of-pocket, you could contribute to your HSA now for 2025, then reimburse yourself for those old expenses instead of the current ones. I keep all my medical receipts in a folder just for this reason - sometimes I'll pay out of pocket when I have cash, then reimburse myself years later when I need the money. There's no time limit on when you have to reimburse yourself!

Just wanted to add something that might help with your cash flow situation - if you're able to make any 2025 HSA contribution now (even a small amount), you could potentially use it to reimburse yourself for the ER visit immediately. Then throughout the year, you can continue making contributions up to your annual limit to build up the account for future expenses. Also, don't forget that HSA funds can be used for more than just hospital bills - things like prescription medications, medical equipment, and even some over-the-counter items with a prescription can be reimbursed. I'd recommend checking your HSA provider's list of qualified expenses since it's broader than many people realize. Hope your recovery from the ER visit goes smoothly!

pro tip: have all ur docs ready before u call. they gonna ask for everything under the sun 👀

Extension 623 is specifically for amended return inquiries, so you're definitely calling the right number. I had a similar situation last year and it turned out they just needed to verify some W-2 information that didn't match what they had on file. The call took about 30 minutes total (including hold time) and they were able to release my return for processing right away. One thing that helped me was having my original return, amended return, AND all supporting documents (W-2s, 1099s, receipts, etc.) spread out in front of me before calling. They asked me to confirm specific dollar amounts from multiple forms. Also, if you get disconnected, write down the representative's ID number so you don't have to start over completely. Good luck! It's probably nothing major, just their standard verification process for amendments that have been sitting too long.

Just curious - what kind of PFIC investments required you to file Form 8621? I'm looking at some foreign ETFs and trying to figure out if I'll need to deal with this form too. Seems super complicated!

I've been through this exact situation! When I forgot to include my Form 8621 with my mailed return, I ended up doing what several others here suggested - sent the form with a brief cover letter explaining it was meant to accompany my already-filed return. The key things that worked for me: I included my full name, SSN, tax year, and the approximate date I mailed my original return. I also attached a copy of page 1 of my 1040 to help them match it up. Made sure to mail it to the same processing center where my original return went. It took about 6 weeks, but I eventually got a letter confirming they had received and processed the supplemental form. The IRS is actually pretty good at matching up documents as long as you give them enough identifying information. Don't stress too much - this happens more often than you'd think and they have procedures in place to handle it!

Anyone know if having a small business (Schedule C) is slowing down returns this year? I filed on Jan 29th and still nothing... getting worried since I see people who filed after me already getting theirs.

I filed my return on February 8th electronically with direct deposit and got my refund in exactly 21 days - right on schedule! This year definitely seems more efficient than last year's disaster. One thing that helped me was using the IRS "Where's My Refund" tool religiously. It updated every few days and gave me peace of mind that things were moving along normally. The key seems to be filing early before the March/April rush and making sure everything is accurate the first time. For anyone still waiting - don't panic if it's been less than 21 days. The IRS is still hitting their processing targets pretty consistently this year from what I can see.

Have you tried calling the marketplace? I kno its a pain but sometimes u gotta wait on hold forever to get this stuff fixed

Just went through this nightmare myself! The key thing is that if you've been on Medicaid all year, you definitely don't need a 1095-A form. That's only for marketplace plans. The rejection is probably happening because the IRS system sees that old 2018 application and thinks you had marketplace coverage. When you refile, make sure to check the box that says you had qualifying health coverage all year (which Medicaid counts as). You shouldn't need to upload any forms for Medicaid coverage.