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Retirement tax questions
"Any contributions you personally made (not through your employer)" means that you sent a check directly to your HSA plan administrator, outside your employer.
The alternative is that you made contributions by means of a payroll deduction plan through your employer - this amount, added to amounts that your employer contributes is called the "employer contribution".
This counter-intuitive use of the term confuses many taxpayers, but it's the terminology that the IRS requires.
‎June 3, 2019
10:44 AM