My current company doesn't offer HSA. However, I found out the I can contribute to HSA myself my opening an account for Non-employer Individual HSA . My question is that is this a pre-tax contribution or post tax and you don't get the tax credit? So for e.g. I will make ACH deposit to this account which would not be a payroll deduction since it is not an employer plan then how do I get tax benefit for these contribution or there are no credits.
