Hey dmertz, I think you are absolutely right. Good of you to explain it as you did. I was thinking all deposits are paid by someone. How does the IRS determine which "someone's" deposit counts towards my maximum and which don't? Earnings are deposited as interest or dividends by "someone" (usually an institution). And they are deposited/paid because of the assets that already exist in the HSA account (thus the term "within"?). So those deposits do not count towards my maximum. Other deposits (like my payroll deduction and my employer's) are not made because of assets that already exist in the account. So those deposits count towards my maximum. I hadn't thought of it that way. I just wish the IRS was explicit. Of course, they probably are to someone with more financial background. Cheers
