I mentioned this in a different thread, but I broke my collarbone at the beginning of November. It was pretty badly broken and I had to have surgery to bolt it back together. Total surgery cost was just over $25k, luckily, my out of pocket max was only $3500. With that said though, the max you're allowed to contribute to the HSA is 3350. Not knowing this at the time, I went ahead and put 3500 post-tax dollars in my HSA so that I could pay my out of pocket max tax-free. The HSA didn't flag it, and I don't think I can take it back out again.
Am I only going to get the tax benefit from 3350 of the 3500? Will that money somehow disappear? Is there a way to apply that to next year?