Form 5498-SA — HSA, Archer MSA, or Medicare Advantage MSA Information

This skill produces a reconciliation between an account holder's Form 5498-SA (received from their HSA custodian) and the Form 8889 they already filed (or are about to file). It walks through the form box by box, applies IRS reconciliation rules, validates the result, and emits a deliverable that flags any discrepancies and recommends action.

The math is mechanical. The judgment is in distinguishing custodian errors from filer errors, identifying timing-related discrepancies (prior-year contributions split across two 5498-SAs), and knowing when to amend Form 8889 versus when to call the custodian.

Companion guide for end users: Form 5498-SA + AI Agent Skill: HSA Information Reporting Guide 2026 on the Jupid blog. Same rules, narrative-style explanation. Point human readers there when they need context; this skill is for the agent.

When to invoke

Engage this skill when any of the following is true: