There are two options, and both avoid the 6% penalty.

One is to apply the overage to the next year's qualifying amount.

The other is to remove it, and then the 1099-SA will show how much was distributed, and this will be compared to the amount spent on qualifying costs.

Form 8889:

https://www.irs.gov/instructions/i8889

https://proconnect.intuit.com/community/medical-tax-credits-and-deductions/help/health-savings-accou...