topic HSA- Non employer Contribution in Deductions & credits

HSA- Non employer Contribution

hakimi — Mon, 23 Feb 2026 10:47:33 GMT

My current company doesn't offer HSA. However, I found out the I can contribute to HSA myself my opening an account for Non-employer Individual HSA . My question is that is this a pre-tax contribution or post tax and you don't get the tax credit? So for e.g. I will make ACH deposit to this account which would not be a payroll deduction since it is not an employer plan then how do I get tax benefit for these contribution or there are no credits.

Re: HSA- Non employer Contribution

Mike9241 — Tue, 17 Jan 2023 07:52:06 GMT

you must meet the qualifications to have an HSA

1) must be covered by a high deductible health plan (HDHP)
2) must not be covered by any non-HDHP

3) not eligible on a pro-rata basis if you're covered by Medicare

4) can not be eligible to be claimed as a dependent

you get a tax deduction not a credit for an eligible contribution - form 8889 - must be made by 4/17/2023

since you would be making the contributions, not your employer or through payroll deductions, they will show up on line 2 of the form

Re: HSA- Non employer Contribution

dmertz — Tue, 17 Jan 2023 12:49:46 GMT

All permitted HSA contributions are pre-tax. The contribution that you make from your savings becomes pre-tax by the deduction on Schedule 1 line 13 (from Form 8889 line 13) that you receive for the contribution.