Real ChatGPT answer · index seedRNptpRoFLJwcompleteInsurance · health insurance planshowto

What are the exact accounting steps to correct an excess health savings account contribution before the tax filing deadline to avoid the six percent excise tax penalty?

ChatGPTgpt-63 queries11/1/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
What are the exact accounting steps to correct an excess health savings account contribution before the tax filing deadline to avoid the six percent excise tax penalty?
3 real searches · 1 real-search pass
IRS Publication 969 excess contributions HSA remove by due date tax return earnings attributable 2025 2026Google ↗
OBSERVEDReason
IRS Form 5329 HSA excess contributions 6% excise tax instructions 2025Google ↗
OBSERVEDInstruction
IRS HSA excess employer contributions return of excess contribution trustee deadlineGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigationalComparisonConsequenceReason67%DefinitionInstruction33%Yes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
IRS Publication 969 excess contributions HSA remove by due date tax return earnings attributable 2025 2026 Google ↗
IRS Form 5329 HSA excess contributions 6% excise tax instructions 2025 Google ↗
IRS HSA excess employer contributions return of excess contribution trustee deadline Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Publication 969 excess contributions HSA remove by due date tax return earnings attributable 2025 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS Form 5329 HSA excess contributions 6% excise tax instructions 2025
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1
IRS HSA excess employer contributions return of excess contribution trustee deadline
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1