Trying to correct a mistaken error. I have an individual HDHP & have been contributing to an HSA. I am not covered under my spouse's medical plan (only dental and vision) and in 2020 my husband enrolled in an FSA. It is a general purpose FSA because it can be used for doctors visits. I'm just finding out now that it's an issue and would have made me ineligible to contribute to my HSA. Since this has gone on for 4 years, how do we correct this error and what are the penalties?