Automate Form 8889, Health Savings Accounts using AI

Stop typing manually. Upload your data and get a filled Form 8889, Health Savings Accounts in under 1 minute with 100% precision.

Form 8889, Health Savings Accounts

Fill Form 8889, Health Savings Accounts Download PDF

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How It Works

Fill Form 8889, Health Savings Accounts in 4 simple steps

Upload Your Data

Upload your information in any format - text, Excel, image, PDF, or Word doc. Fyllyo AI will understand it.

Select Form 8889, Health Savings Accounts

Choose from our library of common PDFs or upload your own custom form.

Press Fill

Our AI automatically organizes, formats, and fills the PDF with 100% precision.

Download & Submit

Get your filled PDF in less than a minute. Review and submit with confidence.

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Why Use Fyllyo?

Save time, reduce errors, and fill forms with confidence

Smart AI Organization

Upload your data in any format. Our AI automatically understands, organizes, and formats it to match the PDF fields perfectly.

100% Precision

No manual editing needed afterwards. Our AI ensures every field is filled correctly the first time, so you can submit with confidence.

Under 1 Minute

What takes hours manually takes less than a minute with Fyllyo. Upload, click fill, and download your completed form.

Secure & Private

Your data is encrypted at all times and securely stored. Delete your data permanently after use - you have full control.

Form Details

Official Form

Official information about Form 8889, Health Savings Accounts

Issued By

IRS

View Official Form

User Guide

Everything you need to know to fill Form 8889, Health Savings Accounts with Fyllyo

Collect Your HSA & Coverage Details

Bring together your personal info, HSA account statements, employer contributions, and your High-Deductible Health Plan (HDHP) coverage months. Note your contribution amounts, any catch-up amounts (age 55+), and distributions with receipts. Having this ready makes Form 8889 fast and accurate.

Upload to Fyllyo (Excel, Word, PDF, images, text)

Drop in bank statements, payroll stubs, enrollment letters, and medical receipts—Fyllyo reads all formats. Our AI extracts contributions, employer amounts, HDHP coverage months, and distribution details so you avoid manual typing and spreadsheet math.

Select “Form 8889 (HSA)”

From Fyllyo’s library, choose Form 8889. You’ll get simple prompts that mirror the form: Part I (contributions), Part II (distributions), and Part III (additional taxes/coverage tests). If you file jointly or have family coverage, Fyllyo guides you through the right sections.

AI Mapping & Smart Calculations

Fyllyo maps your contributions to the correct lines, applies family vs. self-only coverage, factors catch-up (age 55+), and places employer contributions properly. For distributions, our AI classifies qualified vs. non-qualified amounts and prepares totals aligned with your records.

Review & Validation Before You File

Built-in checks catch over-the-limit contributions, missing HDHP months, mismatched distribution totals, and unsupported deductions. Clear flags explain what’s wrong and how to fix it—no tax-speak, just plain guidance so you file confidently.

Download Your Ready-to-File PDF

Export a polished Form 8889 with all calculations done. You’ll also get a simple checklist of what to keep (receipts, statements) and where Form 8889 flows on your return, so you can e-file or hand it to your preparer without rework.

Save Your Profile for Next Year (optional)

Securely store your HSA profile, coverage pattern, and typical providers in Fyllyo. Next year, your details auto-fill in seconds—saving time and preventing repeat mistakes.

💡 Fyllyo Tip

Our AI can read data from multiple sources - whether it's a text file, Excel spreadsheet, scanned document, or even a photo. Just upload your information in the most convenient format for you, and Fyllyo will handle the rest.

Compliance & Best Practices

Common issues when filling Form 8889, Health Savings Accounts and how Fyllyo prevents them

HSA Eligibility & HDHP Coverage Gaps

Contributing while not eligible (no HDHP, disqualifying coverage, or coverage gaps) can invalidate deductions and trigger additional taxes. Missing the testing period under the last-month rule can also create surprise liabilities.

How Fyllyo Helps

Fyllyo asks about HDHP type and months covered, detects gaps, and warns when eligibility or last-month-rule testing could affect your entries before you file.

Contribution Limits Exceeded

Going over the annual limit (self-only vs. family) or forgetting catch-up rules leads to excess contributions, potential excise taxes, and amended-return cleanup.

How Fyllyo Helps

Fyllyo totals your own and employer amounts, applies coverage type and age rules, and flags overages with clear options to correct before your PDF is generated.

Employer Contributions Misreported

Misplacing employer HSA contributions (or double-counting them) skews your deduction and can cause IRS mismatch notices.

How Fyllyo Helps

Fyllyo separates employer from personal contributions and maps each to the proper lines in Part I, preventing double-counts and ensuring accurate totals.

Untracked or Non-Qualified Distributions

Reporting distributions without receipts—or using HSA funds for non-qualified expenses—can create taxable income and additional taxes.

How Fyllyo Helps

Upload receipts and statements; Fyllyo reconciles amounts in Part II, highlights non-qualified spending, and shows the tax impact before you finalize.

Missed Excess-Contribution Cleanup

Leaving excess contributions unaddressed can trigger ongoing excise taxes and require amended returns later.

How Fyllyo Helps

Fyllyo detects potential excesses, estimates the impact, and provides step-by-step guidance to correct amounts so your return stays clean.

Coverage Months & Proration Errors

If you weren’t eligible all year, your limit may need proration. Getting this wrong changes your deduction and can prompt IRS follow-ups.

How Fyllyo Helps

Enter coverage months; Fyllyo prorates automatically, applies catch-up rules correctly, and explains the calculation in plain language.

Forgetting to File Form 8889

Any HSA contribution or distribution generally requires Form 8889. Omitting it causes delays and correspondence from the IRS.

How Fyllyo Helps

Fyllyo checks your inputs and reminds you to include Form 8889 when HSA activity is detected, keeping your return complete and compliant.

Name/SSN Mismatches & Missing Signatures

Typos in personal data or unsigned forms can stall processing and create avoidable notices.

How Fyllyo Helps

Fyllyo validates personal info formats, flags inconsistencies, and requires signature/date before allowing download of your finalized PDF.

Weak Documentation for Audits

Missing receipts for distributions or unclear employer records make audits painful and can lead to reclassifications.

How Fyllyo Helps

Fyllyo bundles a records checklist and lets you store receipts and statements alongside your filled Form 8889 for easy proof later.

✨ Automated Validation

Fyllyo automatically validates all entries before generating your filled PDF, ensuring 100% accuracy and compliance with form requirements.

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