//Contributing through the employer usually saves Social Security and Medicare taxes, while contributing directly does not.//
That's exactly what I was saying too, I lose in taxes if I contribute to it from my after-tax money. So I prefer my employer do it for me. But the problem there is, my employer will do only on his terms, say I have a medical bill to pay now, $1000 and my HSA balance is only $123, I need push $877 in the next pay cycle in order to reach $1000 and pay my medical bill from that tax free money!!
My employer wouldn't deduct and deposit $877 in the next payroll, he will only deposit $300 because they have that monthly limit(their own number to allow uniform distrubution of HSA deposit through the year). I don't understand why I should distribute, I don't see why there should be such limitation when I am in need to move money and pay. This is not an IRS guideline, employer's own guideline and I have problem with that - back to the original question.
