form-1099-sa

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (medium risk: 0.30). The skill assists individuals with interpreting Form 1099-SA and drafting IRS tax reporting forms (Form 8889 / Form 8853) for HSA, Archer MSA, or Medicare Advantage MSA distributions. This is an indirect financial operation (creating/preparing tax forms and supporting records for downstream handling by the taxpayer or tax software). As an indirect operation, no direct funds movement, payment, or independent access control is required.