Through a payroll error this year I over-contributed to my HSA.
I know that I am able to request a taxable disbursement for this amount before my filing date. However, I am having difficulty finding clear information on post-tax contributions.
Many sites suggest that post-tax contributions are allowed provided you claim them as "above the line" on your tax filing (and pay the taxes if they were incorrectly reduced from you gross income).
But the IRS guidelines I found don't say anything about post-tax contributions.
Some links suggest that you owe a 6% excise tax on top of your income tax for these post-tax contributions if they are not refunded before Apr 15th ... Does this, then, mean that I can pay a 6% one-time excise to get more money into this tax-advantaged account? If so then this sounds lucrative.