1. Contributions to your 401k plan are pre-tax for Federal, NJ, and MD
2. Health insurance premiums that are paid through your employer are also not taxed for Federal, NJ, and MD
3. Dependent care FSA is also pre-tax for Federal and MD, but it is taxed for NJ.
All of these items are taxed for Social Security and Medicare taxes.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
