WAIT .... if you have the payroll deduction then you don't have to also put after tax money in the HSA ... just pay the bills now if you want then take the deductions from the HSA as the money is put in to the account to reimburse yourself like I said originally. No one is stopping you from paying the medical bills now if you want to and the distributions when the money is in the account paid to yourself directly ... they do not have to be paid to the doctors. As long as the HSA deductions you take are at least as much as your annual medical bills you pay all is good.
I think putting money in yourself AND having payroll deductions is inherently dangerous as you are sure to put in too much which means you will incur a penalty for excess contributions and you have to have the excess contributions ( with earnings) withdrawn timely on with you would owe taxes as well.
