Author Topic: Speculative 1099 -vanilla or deathtrap?  (Read 1090 times)


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Speculative 1099 -vanilla or deathtrap?
« on: April 01, 2014, 01:25:42 PM »
Hi all,

My HSA administrator owes me an updated 1099-SA.  I know what it's going to say, but they're not going to get it out by the filing deadline.  I really don't want to bother with getting an extension and filing after 4/15, in part because it would mean deferring or complicating getting back a big state refund.  Is it safe to self-report a 1099-SA that shows what I know is going to show up when they issue the updated document to the IRS?

I could easily imagine this being a very normal and reasonable thing to do, which people do all the time.  I could easily imagine this being a huge red flag that virtually guarantees an audit, even if things otherwise work out.  Curious what more seasoned self-filers think.

ETA: It just occurred me that I routinely have to adjust cost-basis information for my ESPP stock shares for my brokerage 1099, because of the way the benefit gets reported on my W-2.  (And know many others have to do this as well.)  I guess it can't be that radical?
« Last Edit: April 01, 2014, 01:36:35 PM by msilenus »