MindyB
Expert Alumni

Retirement tax questions

It is already a "deduction", because it is not included in Box 1 of your W-2.  You and your employer's contributions both appear in Box 12 Code W on your W-2.  You do need to make sure to enter that you have carried a high-deductible plan so the contributions are not added back to your income. This can be checked in Federal Taxes > Deduction & Credits > HSA, MSA Contributions.