HSA Tax Form Tips - IRS Forms 1099-SA and 5498-SA - View Contributions by Tax Year

Sep 19, 2026

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HSA Tax Form Tips explains tax reporting needs for Health Savings Account (HSA) distributions and contributions, including when IRS Form 1099-SA (Distributions) and IRS Form 5498-SA (Contributions) are available. It outlines how to find these forms through the Member Website when electronic delivery is selected, and how timing works for the 2019 tax year. It also provides steps to view contribution details by tax year and clarifies key categories like contributions, rollovers, and excess withdrawals, while noting that the recipient should verify IRS limits and seek tax professionals.

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HSA Tax Form Tips

IRS Form 1099-SA (Distributions)

IRS Form 5498-SA (Contributions)

How to view contributions by tax year

2019 example: key values and definitions

HSA Tax Form Tips Tax reporting is required for Health Savings Account (HSA) distributions and contributions. If you signed up for electronic delivery, your tax forms will be available on the Member Website and you will not receive a paper tax document in the mail. IRS Form 1099-SA (Distributions) If you have distributions from your HSA, you should have received this form in January. It can be located on the Member Website on the “Statements & Notifications” tab. If you did not have distribution activity in 2019, you will not receive an IRS Form 1099-SA. IRS Form 5498-SA (Contributions) This form provides you with all the contributions made to your HSA in 2019. The 5498-SA will be available in May 2020, allowing any contributions made in 2020 for 2019 to be included. If you did not have contribution activity for 2019 or a balance (Fair Market Value) as of December 31, 2019, you will not receive an IRS Form 5498-SA. How to view your contributions by tax year To view your contributions prior to receiving the 5498-SA form, you can access this information on the Member Website by following the below steps. 1. Log into the Member Website and click on the “Accounts” tab. 2. Click on “HSA Contributions By Tax Year” in the left column navigation. 3. A window will appear showing your HSA contributions by tax year. Tax Year 2019 Example: IRS Maximum Amount*: The maximum annual HSA contribution for 2019. Contributions: The total contributions to your HSA made in 2019 (Box 2 of 5498-SA tax form) . This includes: • Contributions made in 2019 for tax year 2019 • Contributions made between January 1 and April 15, 2020, designated for 2019 • Contributions made for 2019 that you have since withdrawn as an Excess Contribution • Any contribution you directly transferred from an IRA in 2019 Contributions from Future Years: The total contributions made in 2019 for 2018 tax year. This includes any contribution amount that you have since withdrawn as an Excess Contribution. (Box 3 of 5498-SA tax form) Rollovers: Amount rolled over from another HSA. (Rollover amounts do not count towards the annual contribution limit. ) (Box 4 of 5498-SA tax form) Remaining Contribution Amount: Amount remaining to contribute. *You are responsible for verifying the accuracy of the applicable IRS Maximum each year based upon your situation. The Remaining Contribution Amount is calculated based upon this specified IRS Maximum. HSA Bank does not provide legal or tax advice. Consult your tax professional for tax-related questions. © 2018 HSA Bank. HSA Bank is a division of Webster Bank, N.A. , Member FDIC. Tax_Form_Tips_060419_FL-10543

FAQs

When should I expect IRS Form 1099-SA for HSA distributions?

If you had HSA distributions, IRS Form 1099-SA should arrive in January. It can be found on the Member Website under the “Statements & Notifications” tab.

What does IRS Form 5498-SA cover for HSA contributions?

IRS Form 5498-SA provides details of HSA contributions made in 2019. It becomes available in May 2020 and includes contributions made in 2020 for 2019.

How can I view my HSA contributions by tax year before receiving the 5498-SA?

Log into the Member Website, select the “Accounts” tab, then choose “HSA Contributions By Tax Year” from the left navigation. A window will show contributions by tax year.

Sep 19, 2026

Upload by Aldword