I contributed to my HSA and had my recent 2026 payroll contributions moved to 2025 contribution year. This should reduce my 2025 taxable income. Where do I report this?

[mkmohoke]

I've added it to the HSA section when I click the option that my "company contributed but it was not reported on my w2" but it does not increase my refund at all so I'm a little confused.

[BillM223]

The way that payroll HSA contributions work is that when the W-2 is printed, the "employer" contributions (code W in box 12 on your W-2) are removed from Wages in boxes 1, 3, and 5. This is how HSA contributions through your employer are tax-advantaged, because they are never in your income at all.

The question you have to ask your employer is, "Were my HSA contributions made through the employer removed from Wages in boxes 1, 3, and 5?" If they were not originally, have you printed a corrected W-2 in which Wages were reduced?

If the Wages were correct all along, then being told that the employer actually made HSA contributions that were not put on your W-2 won't reduce your taxable income or tax anyway.

So ask your employer about whether or not all these contributions were removed from Wages, and if you need a corrected W-2.

[mkmohoke]

Hi, thanks for the response, I really appreciate you taking the time to explain that.

I think I may not have communicated my situation clearly, so I just want to clarify what I’m dealing with.

In this year (2026), I:

• Made a direct HSA contribution and designated it for 2025
• Also requested that about $1,000 of my 2026 payroll HSA contributions be reclassified to the 2025 contribution year

So these amounts are not included on my 2025 W2 (Box 12, code W), since they were made in 2026, but they are being applied to 2025.

My understanding is that these should still count as 2025 HSA contributions and reduce my 2025 taxable income through, even though they aren’t reflected on the W2.

I think where I got tripped up is that your explanation focuses on payroll contributions that are already reflected in the 2025 W-2, whereas I’m dealing with contributions that fall outside that timing.

The issue I’m running into now is that I can’t find an appropriate place in TurboTax to report these contributions so they are treated correctly for 2025.

Just wanted to clarify that distinction — any guidance on how these should be entered would be really helpful.

[BillM223]

OK, when your employer moved $1,000 in HSA payroll contributions from 2026 to 2025, did they issue you a corrected W-2 for 2025?

The only other way for you to get "credit" for this contribution in 2025, is to go into the HSA interview and go until you see "Let's enter [name]'s HSA contributions". The second line is for "personal" contributions. Note that this just means that the contributions were not made through the employer. This number, at least, will affect your return by increasing the HSA deduction on line 13 on Schedule 1 (1040).

However, this really isn't the right way to do this. As I noted above, the code W amount is removed from Wages in boxes 1, 3, and 5 on the W-2. That is, HSA contributions through the employer are not subject to federal income tax, Social Security tax, nor Medicare tax. The contributions entered on line 13 of Schedule 1 (1040) still had to pay Social Security and Medicare taxes on the contributions.

The options that "my "company contributed but it was not reported on my w2"" works only if the Wages amounts in boxes 1, 3, and 5 were already correct (i.e., the correct employer contributions were removed), but the code W amount was not correct.

If you make this entry otherwise, then you will not get "credit" for these HSA contributions in 2025.

I really think your company needs to issue a corrected W-2 with the Wages and the code W amounts all changed.

[mkmohoke]

Thanks again for your time. 

So if we focus on just my personal contribution of $2000, I don’t even see the box for personal contributions. That’s what’s really confusing me. 

it asks me to select one of these:

I had Medicare

I overfunded my HSA last year

I inherited this HSA

I had other company contributions that weren't reported to their W-2 or apply to a previous year

I failed to maintain HDHP coverage in 2025 due to death and disability

I made contributions to an Archer MSA

My understanding is none of these accurately describes what I’m trying to report. When I go to free tax USA it very clearly just asks: did you make a personal contributions to your HSA and I input the number and my refund goes up correctly.

Do you know if I’m perhaps looking in the wrong section? 

[BillM223]

I gave you the information for how to enter "personal" contributions:

The only other way for you to get "credit" for this contribution in 2025, is to go into the HSA interview and go until you see "Let's enter [name]'s HSA contributions". The second line is for "personal" contributions. Note that this just means that the contributions were not made through the employer. This number, at least, will affect your return by increasing the HSA deduction on line 13 on Schedule 1 (1040).

If that's what you want to do and ignore the extra Social Security and Medicare tax that you are paying, then have at it.