Where To Get Your 1099-SA Form

Your 1099-SA comes from the financial institution that holds your Health Savings Account

The organization that manages your HSA — typically a bank, insurance company, or third-party administrator — is responsible for sending you a 1099-SA form. This is the same entity where your HSA money sits, the one you use to make withdrawals or pay medical bills from the account. They mail or email the form to you by January 31 each year, reporting all distributions you took from the account during the previous tax year.

If you have multiple HSAs, you will receive a separate 1099-SA from each provider. The IRS also receives a copy, so the form serves as a record that matches what you report on your tax return.

Key Takeaways

• Your HSA provider — the bank or insurance company holding the account — sends you the 1099-SA by January 31 for the prior tax year.
• If you have more than one HSA, each provider sends its own 1099-SA form.
• Contact your HSA provider directly if you do not receive the form by early February.
• The 1099-SA reports distributions only, not contributions you made to the account.
• You will need the 1099-SA to complete Form 8889 when you file your taxes.

How to find your HSA provider's contact information

Start with any paperwork you received when you opened the account — the welcome packet, account agreement, or initial deposit confirmation usually lists the provider's name and customer service phone number. You can also check your most recent HSA statement or any debit card or checkbook associated with the account; these typically show the institution's name and website.

If you enrolled in the HSA through your employer's benefits plan, your company's human resources or benefits department can tell you which organization manages it. They have records of all vendors in your benefits package and can provide direct contact details.

What to do if you do not receive your 1099-SA by early February

Call or email your HSA provider's customer service line and ask for the 1099-SA for the tax year you need. Have your account number ready. Most providers can email or mail a replacement copy within a few business days. If the provider says they have not yet issued forms, ask when they plan to send them — some institutions mail in batches rather than all at once.

If you still have not received the form by mid-February and the provider says it was sent, ask them to confirm the mailing address on file. Sometimes forms are sent to an old address if you moved and did not update your contact information with the HSA provider.

Accessing your 1099-SA online

Many HSA providers now post tax forms to your online account portal. Log in to your HSA account on the provider's website and look for a section labeled "Tax Documents," "Forms," "Statements," or "1099." You can usually read and print the form directly from there, often before the physical copy arrives in the mail.

Some providers also allow you to request electronic delivery of the form instead of paper. If you prefer email, ask your provider whether they offer this option and how to set it up for future years.

Understanding what information appears on the 1099-SA

The form shows the total amount you withdrew from your HSA during the year, broken down by type of distribution. It does not show contributions you made to the account — those are reported separately on Form 8889. The 1099-SA lists the HSA provider's name and tax identification number, your name and Social Security number, and the account number.

Box 1 shows total distributions. Box 2 shows the earnings portion of those distributions, which matters for tax purposes because earnings withdrawn for non-medical expenses may be subject to tax and penalty. Boxes 3 and 4 show whether the distribution was for may have access to medical expenses or not.

What happens if your provider goes out of business

If your HSA provider closes or is acquired by another company, the new provider or successor institution is responsible for issuing your 1099-SA. You may receive it from a different organization than the one that held your account during the year, but the form will still report the distributions you made while the original provider held the account.

Contact the new provider or the acquiring company if you are unsure who to ask for the form. They can tell you whether they have taken over the HSA records and will issue the 1099-SA, or whether you need to contact the original provider's successor.

Frequently Asked Questions

Do I need the 1099-SA if I did not withdraw any money from my HSA?

No. Your HSA provider only sends a 1099-SA when you take distributions from the account. If you made no withdrawals during the year, you will not receive one. You will still report your contributions on Form 8889 when you file taxes.

Can I get a 1099-SA for a prior year if I lost the original?

Yes. Contact your HSA provider and request a duplicate 1099-SA for the specific tax year. They keep records for several years and can reissue the form. Have your account number and the tax year ready when you call.

What if my 1099-SA shows an amount I think is wrong?

Contact your HSA provider first and ask them to review the distributions listed. If they confirm an error, they will issue a corrected form (a 1099-SA with a "CORRECTED" label). Keep both the original and corrected versions when you file your taxes.

Do I need to report my 1099-SA to the IRS myself, or does the provider do it?

Your HSA provider sends a copy to the IRS automatically. You report the information from your 1099-SA on Form 8889 when you file your tax return. The IRS matches what you report against the copy they received from your provider.