New Employer Opened a FSA & HSA During Insurance Enrollment

Hey all, I was hoping there was someone here who could point me in the right direction or offer some insight into my next steps to ensure I don’t run into any issues with my insurance or taxes etc.

I started a new job on Oct 16th and a few days later received an email that I could enroll in health insurance.

– Initially I chose a low deductible insurance plan with a FSA included – I elected to contribute $600/yr to this account.

– After I setup my Optum Bank account a couple days later – I had a FSA opened through my employer and the $600 loaded on the account

– *However* I had a HR meeting for new hires and during the meeting they explained that they would fund $3000/yr into the high deductible HSA plan. I immediately knew I wanted to swap to this plan.

– I changed my enrollment from the low -> high plan through ADP (who handles payroll and insurance enrollment etc)

– Shortly after Nov 1st when my insurance kicked in I saw the HSA opened in my Optum Bank account. So now I’ve got a FSA with $600 in it, and a HSA that was shortly funded with $3000 a few days later.

– From what I understand in most circumstances you either have a FSA or HSA and I’m concerned how the FSA might impact funded the remaining ~$800/yr in my HSA.

So far I’ve done the following and I’m at a stalemate trying to have my FSA removed from my Optum account.

Called Optum about the issue initially, they said that they cannot do anything on their end in regards to closing my FSA account. They said reach out to HR or ADP.

Contacted the head of HR who said they *also* cannot do anything on their end to remove the opened FSA account. They said reach out to ADP.

Contacted ADP who *ALSO* said they cannot do anything on their end to remove this account, and that their system simply shows I chose to enroll in the high deductible insurance plan.

So now all 3 of my contacts have said they can’t do anything to have this account closed, and I’m worried this may have ramifications come tax time. This is all very new to me still and my previous job had insurance that was completely covered, so I never needed to enroll in a specific plan.

So I have a couple questions:

– Regardless of the fact I have a FSA & HSA opened can I still use my insurance without issue?

– Will the FSA being opened but not attached to my current insurance going to cause issues when I do my taxes? It’s just a dead, but funded account, that I can’t use.

– Does anyone have any idea about how to get this account closed when HR & ADP are telling me they can’t do anything? Should I keep barking up the HR tree since they might have the ability on their end to get things done?