conversation: User (99ranger): "Is the 1099 for 2012... intended to be used for the taxes I file in 2014?\n\nThis is the second year in a row that they've done this, and I filled out my taxes this year using last year's numbers, which are the same as this year's numbers, so I think I'm in the clear no matter what.\n\nBut if I'm supposed to be using the 2012 numbers when filling out my taxes due in April 2013, then obviously this 1099 is way late. Is that the case? Should I call them to ask them to get me next year's 1099 on time?\n\nThanks in advance for any help/advice.\n\n**edit**: elgrifo has correctly pointed out that this is a 5498. I'm now curious as to how I'm supposed to fill out my taxes regarding the HSA, and also what the 5498 means for me.\n\n**Edit 2** \nMy understanding now is that I would only get a 1099 if I used the HSA funds, and that the 5498 does not require action on my part. So now all my questions have been answered, thanks so much to elgrifo and Jahlapenoez for helping me understand this situation better."
  Self: "Are you sure its a form 1099 and not a form 5498. Firms have until the end of May to send out 5498s, so it would be quite common to receive a 5498 now.\n\nIf you really did receive a 2012 1099 at this time in the year that would be very strange if you hadn't request a correction."
  User (99ranger): "It sure is a 5498-SA. I didn't even notice it right there in the text on the top. It says 1099 all over the place, and I'd just looked past the 5498 text, probably since I expected to see 1099.\n\nSo... how am I supposed to fill out the HSA section of my taxes? Do I have to specifically request a 1099 from Wells Fargo? Also what is the purpose of the 5498-SA - it sounds like the bank is conveying info to the IRS, but how does that affect me?\n\nThanks for taking the time to fill me in."
  Self: "5498s just serve to notify you what is being reported to the IRS as the new contributions to the account during the year. You can just double check that they are reporting the correct 2012 contributions to your account, but otherwise just file it away in case there is a question/audit that arises in the future."
  User (99ranger): "So when it comes to filling out my federal taxes, do I need to request a 1099 for my HSA? Or how exactly should I fill out the section regarding HSAs?"
  Self: "I'm not really sure what you are referring to when you ask "How exactly should I fill out the section regarding HSAs?" Could you clarify?\n\nYou would only get a 1099 for your HSA if you took a distribution from the account during the year. If you took nothing out of the account, you wouldn't receive a 1099. If you did take a distribution from the account, you would receive a 1099 and use it to file your tax return.\n\nIt is most likely there is no action required from you upon receiving this 5498.\n"
  User (99ranger): "That's the knowledge I was missing. The 1099 is only for distributions. I had misunderstood and thought it was for contributions.\n\nThanks so much for your help!"
  