How to Get Your HSA Tax Forms Online or by Mail

To get your HSA tax forms, log in to your HSA administrator’s website or mobile app and open the section labeled “Tax Documents,” “Tax Forms,” or “Statements.” That’s where Form 1099-SA (withdrawals) and Form 5498-SA (contributions) are posted as downloadable PDFs. If you can’t access the portal, call the customer service number on the back of your HSA debit card or on your account statements to request a mailed copy. Employer HSA contributions don’t come on a separate form at all; they appear on your W-2 in Box 12 with Code W.

Retrieving Your Forms From the Portal

Every major HSA administrator posts tax documents to the same online account you use to check balances and pay claims. Log in, then look under a menu named “Tax Documents,” “Tax Forms,” or “Statements.” The forms are generated as PDFs you can save, print, or forward to your tax preparer.

Have a few things ready before you start: your login credentials, your Social Security number for identity verification, and the specific tax year you need. Providers archive multiple years in the same section, and pulling up the wrong year is a common mistake. If you changed jobs during the year and your HSA moved to a new administrator, check with each one separately. Each provider only reports the activity that happened while they held your account.

Many administrators send an email when tax forms are finalized, so make sure the contact information on your account is current. The digital version often posts a few days before the paper version is mailed.

Getting a Paper Copy by Phone or Mail

If you prefer paper, or the portal isn’t working, call the customer service line printed on your HSA debit card or account statement. The automated system will usually let you request a mailed copy after you enter your account number or Social Security number on the keypad. Paper copies generally arrive in five to ten business days.

There’s no minimum dollar threshold that would let an administrator skip sending you a form. Administrators must report all amounts, even a $1 distribution.¹ If you took a withdrawal and never received a 1099-SA, the likely explanations are an outdated mailing address on file, a digital copy sitting in the portal unnoticed, or a processing delay. A quick call clears up all three.

Which HSA Forms You Should Receive, and When

You’ll get up to three pieces of paperwork covering HSA activity for the year, and they arrive on different schedules.

Form 1099-SA: Withdrawals

Form 1099-SA reports every distribution from your HSA during the year, whether the money was paid directly to a medical provider or reimbursed to you.² Box 1 shows the total withdrawn. Box 3 carries a single-digit distribution code identifying the type of withdrawal, and Box 5 is a checkbox confirming the source was an HSA rather than an Archer MSA or Medicare Advantage MSA.³ For most account holders, the Box 3 code will be 1, marking a normal distribution. The code does not tell the IRS whether you spent the money on qualified medical expenses; that’s what Form 8889 is for.

Administrators must furnish Form 1099-SA by January 31 following the tax year.¹ For the 2026 tax year, that means by January 31, 2027. If you didn’t take any distributions during the year, you won’t receive a 1099-SA at all.

Form 5498-SA: Contributions

Form 5498-SA reports the total contributed to your HSA during the calendar year, any rollovers from another HSA or Archer MSA, and the fair market value of your account on December 31.⁴

Administrators have until May 31 of the following year to furnish it.³ The late deadline exists because you can make HSA contributions for a given tax year up to the April 15 filing deadline. If you file in February or March, you won’t have the 5498-SA in hand yet, and that’s fine. You can complete your return using your own records and the transaction history in your administrator’s portal, then keep the 5498-SA as confirmation when it arrives.

W-2, Box 12, Code W: Employer Contributions

Your W-2 carries HSA information too. Box 12 with Code W shows the combined total of employer contributions and any pretax payroll deductions you made through a cafeteria plan. This figure feeds directly into Form 8889 when you file, so don’t overlook it while gathering documents. There is no separate HSA form from your employer.

If a Form Is Wrong or Missing

If your 1099-SA shows the wrong distribution amount, contact your HSA administrator and provide documentation of the correct transactions, such as bank statements or payment receipts. The administrator will issue a corrected 1099-SA with the “CORRECTED” box checked at the top and file the updated version with the IRS.⁵ Expect one to two weeks for a corrected form to arrive, depending on the administrator.

If a form is simply missing, call the administrator directly. You can still file your return using your own transaction records in the meantime and amend later if the eventual form shows different figures.

Using the Forms on Your Tax Return

All three documents converge on Form 8889, which must be filed with your federal return if you made or received HSA contributions, took any distributions, or inherited an HSA during the year.⁶ Even if no HSA activity is taxable, the IRS still requires the form.

Part I of Form 8889 handles contributions and your deduction. Personal contributions (not employer contributions) go on Line 2, drawn from your own records or the 5498-SA. Employer contributions from W-2 Box 12, Code W go on Line 9. The form then calculates the HSA deduction that flows to Schedule 1.⁷

Part II handles distributions. Line 14a asks for the total from Box 1 of your 1099-SA. Line 15 is where you report how much of that total went toward qualified medical expenses. The difference is your taxable HSA income for the year.

For 2026, the annual contribution limits are $4,400 for self-only HDHP coverage and $8,750 for family coverage, with an extra $1,000 catch-up contribution allowed at age 55 or older.⁸ Keep those numbers in view when you reconcile the 5498-SA against your own records, since the totals on that form are also how you catch an excess contribution before it becomes a penalty problem.

1
Internal Revenue Service. Publication 1099 General Instructions for Certain Information Returns – For Use in Preparing 2026 Returns
2
Internal Revenue Service. About Form 1099-SA, Distributions From an HSA, Archer MSA, or Medicare Advantage MSA
3
Internal Revenue Service. Instructions for Forms 1099-SA and 5498-SA (Rev. December 2026)
4
Internal Revenue Service. Form 5498-SA (Rev. December 2026)
5
Internal Revenue Service. General Instructions for Certain Information Returns (2025)
6
Internal Revenue Service. 2025 Instructions for Form 8889
7
Internal Revenue Service. Instructions for Form 8889
8
Internal Revenue Service. Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans