I'm dealing with this exact same situation right now - my Michigan return went under review yesterday and I was immediately worried I'd done something wrong! Finding this thread has been incredibly reassuring because it shows this is happening to so many people this year. Like many others here, I also have upcoming medical expenses (a minor surgery scheduled in about 4 weeks) and was really counting on that refund timeline being predictable. The complete lack of any estimated timeframe from Michigan Treasury is so frustrating when you're trying to plan around healthcare costs. From reading everyone's experiences, it sounds like that 2-3 week window is pretty typical, and the vast majority resolve automatically without needing any additional documentation or action from us. I'm going to try to be patient and wait at least 2 weeks before calling, but it's comforting to know that when people do call, they usually get helpful information. Thanks to everyone for sharing your timelines and outcomes - it really helps to know this is just part of their normal verification process and not something to panic about. I'll definitely update this thread with my progress to help others who are just starting this waiting period. We're all in this together!

I'm currently experiencing this exact same situation! My Michigan return has been under review for 5 days now, and like so many others here, I also have medical expenses I need to plan for (some diagnostic tests my doctor ordered). It's incredibly reassuring to read everyone's experiences and see that this is happening to a lot of people this filing season. The lack of any timeline estimate from Michigan Treasury is definitely the most frustrating part, especially when you're trying to coordinate healthcare expenses. Based on all the shared experiences in this thread, it sounds like that 14-21 day range is pretty typical for these reviews, and most resolve automatically without requiring any additional documentation. I'm going to try to be patient and wait at least 2 weeks before calling, but it's comforting to know that when people do call, they usually get helpful context about what triggered the review. The randomness factor that several people mentioned actually makes me feel better - knowing it's likely just routine verification rather than an error on my part. Thanks to everyone for sharing their timelines and outcomes here. This thread has been a lifesaver for managing the anxiety that comes with waiting on funds you're counting on for medical needs. I'll definitely update with my progress to help others who are starting this waiting period!

As a newcomer to this community, I want to thank everyone for sharing such detailed experiences - this thread is exactly what I needed to find! I'm currently facing a similar nightmare with another payment processor (not payusatax, but same symptoms - glitchy website, error messages, no confirmation). Reading through all these responses, it's clear that the immediate priority should be getting the payment through using IRS Direct Pay rather than continuing to battle with a failing processor. Grace, I hope you've already made the switch by now! What really stands out to me is how many people initially had doubts about some of the solutions mentioned (like taxr.ai and Claimyr) but then came back to share positive results after actually trying them. That kind of follow-up is incredibly valuable for newcomers like me who are trying to separate legitimate help from potential scams. For anyone else in this situation: document everything, switch to Direct Pay immediately, and don't panic about potential penalties since there are clear paths for abatement when you have good faith evidence of attempting to pay on time through authorized processors. This community's collective wisdom just saved me from days of additional stress and potentially costly delays!

As a newcomer to this community, I'm really grateful to have found this thread! I'm actually dealing with the exact same situation with payusatax right now - failed payments, error messages, and that sinking feeling when the deadline is approaching fast. Reading through everyone's experiences here has been incredibly reassuring. It's clear that Grace isn't alone in this, and more importantly, there are proven solutions that actually work. The consistent advice seems to be: stop fighting with the broken processor, switch to IRS Direct Pay immediately, and document everything for potential penalty abatement later. What really impressed me is how many community members came back to update their posts after initially being skeptical of certain solutions - that kind of honest follow-up gives me confidence that the advice here is genuine and tested by real people in similar situations. Grace, if you're still reading this, please don't wait any longer! Based on everything I've read here, IRS Direct Pay seems to be the fastest way to get your payment through while you still have time. The documentation from your payusatax attempts will be valuable if you need it later, but getting that payment submitted should be the immediate priority. Thanks to everyone who shared their stories - this community's collective wisdom is exactly what stressed taxpayers like us need during situations like this!

Anyone know if mining rewards are treated differently for tax purposes than just buying crypto? I did some ETH mining in 2023 along with regular purchases.

Just to add to the excellent advice here - make sure you keep detailed records of EVERYTHING, even the purchases you don't need to report right now. The IRS uses FIFO (First In, First Out) accounting by default for crypto unless you elect specific identification, so when you do eventually sell, you'll need those early purchase records to calculate your cost basis correctly. I learned this the hard way when I sold some Bitcoin in 2022 and realized I needed purchase records going back to 2019 to properly calculate my gains. Had to dig through old email confirmations and bank statements. Save yourself the headache and create a simple spreadsheet now with dates, amounts, and prices for all your transactions - even the small $50 purchases. Future you will thank you!

I've been following this discussion closely as someone who went through a similar decision process last year. After weighing all the options discussed here, I ended up going with an HSA and couldn't be happier with that choice. The compliance burden for self-administered FSAs is real - I spent weeks researching it and the administrative overhead just wasn't worth it for a one-person operation. Between the Section 125 plan documents, ERISA considerations, and audit documentation requirements, you're looking at significant time investment for relatively modest tax savings. HSAs are so much cleaner from an administrative standpoint. I opened mine with Fidelity and the whole process took about 15 minutes online. No plan documents, no claim substantiation hassles, no use-it-or-lose-it stress. Just contribute pre-tax money and pay qualified expenses directly from the account. The investment component is huge too - I've got my HSA funds in low-cost index funds and they're growing tax-free. After age 65, you can even withdraw for non-medical expenses (taxed as ordinary income, like a traditional IRA). It's basically a stealth retirement account with medical expense benefits. For anyone still on the fence: if you have access to a high-deductible health plan, start with maxing out your HSA before getting into FSA complexity. You'll save yourself hours of compliance work and probably come out ahead financially in the long run.

Great discussion everyone! As someone who's been wrestling with similar questions for my own small business, I wanted to add a perspective on the HSA vs FSA decision that might help others. One thing that hasn't been mentioned much is that you can actually have BOTH an HSA and a limited-purpose FSA if you structure it correctly. The limited-purpose FSA can only be used for dental and vision expenses, but it still gives you that extra $3,200 in tax-advantaged spending for those specific categories. This might be worth considering if you have significant dental work planned or wear glasses/contacts. You get the best of both worlds - the HSA for general medical expenses and long-term investment growth, plus the FSA for dental/vision with the same-year tax deduction. That said, after reading through Leo's experience with the compliance nightmare, I'm definitely leaning toward just maxing out the HSA and keeping things simple. Sometimes the administrative peace of mind is worth more than the extra tax savings, especially when you're trying to run a business at the same time. Has anyone here tried the limited-purpose FSA route, or is that just adding unnecessary complexity to an already complicated decision?

This is such a helpful thread! I had no idea about the state-level mandates still existing in some places. I'm moving from Texas to New Jersey next year and it sounds like I need to research NJ's requirements since they were mentioned as having their own mandate. One thing I'm still confused about - if I have employer-sponsored health insurance, do I need to worry about any of this? Or are these requirements mainly for people who don't have coverage through work? I get my insurance through my company's group plan, but I want to make sure I'm not missing anything when I file my taxes in the new state. Also, does anyone know if there are any other tax implications I should be aware of when moving between states with different health insurance requirements? I don't want to get hit with unexpected penalties on my first tax filing as a NJ resident.

This thread has been incredibly informative! I'm a tax preparer and I still get clients every year who are confused about the health insurance requirements. One thing I'd add is that even though there's no federal penalty anymore, you should still keep all your health insurance documents (1095-A, 1095-B, 1095-C forms) for your records. These forms are still issued and can be important for several reasons: they help verify coverage dates if you live in a state with its own mandate, they're needed for premium tax credit reconciliation if you got marketplace coverage with advance credits, and they can be useful if the IRS ever questions your filing or if you need to amend a return. Also, a quick tip for anyone using tax software - many programs still ask about health insurance even though it's not federally required. This is often because the software needs to handle state-specific requirements and premium tax credit calculations. Don't panic if you see health insurance questions in your tax prep software!