Missing my 1099-SA form for taxes - how do I get it for filing?

The 1099-SA form reports distributions from your Health Savings Account (HSA), Archer Medical Savings Account (MSA), or Medicare Advantage MSA. If H&R Block is asking for this, it means you had withdrawals from one of these accounts during the tax year. You should be able to get this form from the custodian of your HSA/MSA account - usually that's either your bank, financial institution, or insurance company that manages the account. Many providers make these forms available online through their customer portal rather than mailing paper copies. Log into your HSA provider's website and look in their tax documents section. If you can't find it online, call the customer service number on your HSA card or account statement and request that they send you a copy. They're required to provide this form to you. Keep in mind that you'll need to report all HSA distributions, whether used for qualified medical expenses or not. If you used the money for non-qualified expenses, you'll owe taxes plus a 20% penalty on those amounts.

I had this exact issue last year and spent hours trying to figure it out. I finally discovered taxr.ai (https://taxr.ai) which helped me make sense of all my missing tax documents. The service scanned my account statements and identified exactly which institutions I needed to contact for my missing 1099-SA form. Turned out my HSA provider had merged with another company and sent my form to an old email address. The taxr.ai system has a document finder tool that shows you exactly where to look for each tax form based on your specific accounts and situation. It also explains what each form is for in plain English - super helpful because I had no idea what half these tax forms were for!

Ok so I was super skeptical about taxr.ai but decided to give it a try after spending 2 hours on hold with my HSA company. The site immediately identified that my HSA provider (HealthEquity) actually has a separate tax document portal different from their main account login! Found my 1099-SA in literally 3 minutes after fighting with this for days. The document finder tool showed me exactly where to click on the HealthEquity site to access the tax forms. It even had screenshots! Would have never figured this out on my own. Already finished my taxes now, such a relief.

If you're still having trouble getting your 1099-SA after trying the online portal, you're probably going to need to call your HSA provider directly. I spent WEEKS trying to get through to my provider last year - constant busy signals and disconnections after waiting on hold forever. I finally used this service called Claimyr (https://claimyr.com) that got me through to a human at my HSA provider in under 15 minutes. They have a system that navigates phone trees and waits on hold for you, then calls you when a rep is actually on the line. You can see how it works here: https://youtu.be/_kiP6q8DX5c When I finally got through, the rep was able to email me my 1099-SA immediately. They can also mail a new copy if needed but that takes longer obviously.

So I was super skeptical about Claimyr but decided to try it after posting here. IT ACTUALLY WORKS! Got through to my HSA provider after their system had been disconnecting me for days. The rep immediately found my 1099-SA and emailed me a copy while I was on the phone. Turns out they had been sending it to an old address from when I first opened the HSA three years ago. The rep updated my contact info and I got my form within minutes. Would have never been able to file without getting through to them. I was honestly about to give up and file an extension.

Just a quick tip - if you have an HSA through your employer, you might also check with your HR department or benefits portal. My company's benefits portal actually has copies of all my tax forms including my 1099-SA, which I didn't realize until I was frantically trying to track it down. Also, if you absolutely cannot get the form in time, you can still file your taxes using the information from your HSA account statements. Just add up all the distributions for the year and make sure you note which ones were for qualified medical expenses. Not ideal but better than missing the filing deadline.

I had this problem and discovered you can also request a wage and income transcript directly from the IRS which includes information from your 1099-SA! Go to IRS.gov and search for "Get Transcript Online" - you'll need to create an account but then you can download or view all the tax documents that have been reported to the IRS for your SSN. It won't be available immediately (there's some delay between when companies submit forms and when they appear in the system), but it's a good backup if you absolutely cannot get the form from your provider.

Hey Emma! I totally understand your frustration - the 1099-SA can be confusing if you've never dealt with one before. Since H&R Block is asking for it, you definitely made withdrawals from your Health Savings Account during 2024. First, try logging into your HSA provider's website (this would be whoever manages your HSA through your employer - companies like HealthEquity, Optum Bank, HSA Bank, etc.). Look for a "Tax Documents" or "Tax Forms" section in your account. Most providers post these forms online by January 31st. If you can't find it online or don't remember your login, check any paperwork you have from your HSA - there should be a customer service number. You can also ask your HR department who your HSA administrator is if you're not sure. The 1099-SA will show the total amount you withdrew from your HSA during 2024. Don't panic about taxes though - if you used the money for qualified medical expenses (doctor visits, prescriptions, etc.), you won't owe additional taxes on those withdrawals. Just make sure you have receipts to support the medical expenses in case you ever get audited. Good luck getting your taxes finished before your trip!

Emma, I completely feel your pain on this! The 1099-SA definitely threw me for a loop when I first encountered it too. Just to add to what others have shared - if you're still stuck after checking online and calling your HSA provider, there's one more thing to try. Sometimes the 1099-SA gets mailed to whatever address was on file when you first opened the HSA, which might be different from your current address. If you've moved since setting up the account, that could explain why you never received it in the mail. Also, a quick heads up - some HSA providers actually email the forms instead of mailing them, so definitely check your email (including spam folder) for anything from your HSA company around late January/early February. If all else fails and you're really pressed for time with your trip coming up, you could file for an automatic extension using Form 4868. This gives you until October to file your actual return (though you'd still need to pay any estimated taxes owed by the original deadline). Sometimes the peace of mind is worth it rather than rushing through everything! Hope you get it sorted out and can enjoy your trip without tax stress hanging over you!

Emma, I've been exactly where you are! Last year I was frantically searching for my 1099-SA the night before my filing deadline. Here's what I learned that might help you: If your HSA is through your employer, there's often a separate login for the HSA provider that's different from your regular employee benefits portal. For example, if your company uses Fidelity for retirement but HealthEquity for HSAs, you'd need to log into HealthEquity directly, not Fidelity. One trick that saved me - if you have any HSA-related emails in your inbox from throughout the year (like when you made withdrawals or contributions), those emails usually come from your HSA administrator and will have their website link. That's how I figured out mine was through HSA Bank when I had completely forgotten. Also, don't worry too much about the tax implications! The 1099-SA just reports what you withdrew - it doesn't automatically mean you owe taxes. As long as you used the money for legitimate medical expenses (copays, prescriptions, dental work, etc.), you're in the clear. H&R Block will walk you through entering whether the withdrawals were for qualified expenses. You've got this! Most HSA providers have pretty good online portals once you figure out how to access them. Worst case, their customer service should be able to email you a copy pretty quickly.

Emma, I completely understand your frustration! The 1099-SA form is definitely one of those tax documents that catches people off guard. Since H&R Block is asking for it, you most likely made withdrawals from your Health Savings Account (HSA) during 2024. Here's the quickest way to track it down: Check your most recent paystub or any HSA-related paperwork you might have - this will tell you which company manages your HSA (common ones are HealthEquity, Optum Bank, HSA Bank, or Fidelity). Then go directly to that provider's website and log into your account. Look for a "Tax Documents" or "Forms" section - most providers post the 1099-SA online by January 31st. If you can't remember your login credentials or never set up online access, call the customer service number on your HSA debit card (if you have one) or any HSA statements you've received. They can email you a copy of the form immediately. One important thing to remember - the 1099-SA just reports what you withdrew from your HSA, but it doesn't mean you automatically owe taxes on it! If you used the money for qualified medical expenses like doctor visits, prescriptions, or medical procedures, those withdrawals are tax-free. H&R Block will ask you to specify which withdrawals were for medical expenses. Don't stress too much about this - it's a very common situation and you should be able to get the form quickly once you contact the right provider. You'll definitely get your taxes done before your trip!

Emma, I totally get your frustration! The 1099-SA confusion is so common during tax season. Just wanted to add one more option that might help if you're still stuck - you can also try contacting your employer's benefits department directly. Sometimes they have a direct line to the HSA administrator or can quickly tell you exactly which company manages your HSA and provide contact info. This can be faster than digging through old paperwork or trying to remember login credentials. Also, if you're using H&R Block's software and it's specifically prompting you for a 1099-SA, there's usually a "help" or "what is this form" link right next to that section that explains exactly what triggers that requirement. Sometimes the software asks about forms based on previous year's returns or certain answer combinations, even if you don't actually need that specific form this year. One quick way to verify - check your 2023 tax return if you have it handy. If you had HSA activity last year, you'd see it reported there and that might explain why the software is asking again this year. Don't let this derail your whole weekend! You're closer to figuring this out than you think. Hope you get it sorted and can enjoy your trip stress-free!