@BillM223So after doing a lot of additional searching and talking to my agency's payroll office, I think I learned something a little different. I have GEHA HDHP health insurance plan associated with an HSA. A portion of my HDHP premiums are deposited monthly into my HSA, i.e. “premium – pass through” by GEHA. My agency does not pass through or contribute to my HSA, however, my insurance company (GEHA) does. For each month that am enrolled in their HDHP and eligible for an HSA, the HDHP will pass through (contribute) a portion of the health plan premium to my HSA. In addition, I may contribute my own money to my HSA up to an allowable amount determined by IRS rules. Your HSA dollars earn tax-free interest.
From my insurance brochure...
Federal tax tip: There are tax advantages to fully funding your HSA as quickly as possible. Your HSA contribution payments (not GEHA’s pass through contributions) are fully deductible on your Federal tax return. By fully funding your HSA early in the year, you have the flexibility of paying qualified medical expenses from tax-free HSA dollars or after-tax out-of-pocket dollars. If you don’t deplete your HSA and you allow the contributions and the tax-free interest to accumulate, your HSA grows more quickly for future expenses.
Conclusion (I think)...the contribution by the insurance company that comes out of my premium is not tax deductible.
