Can I get a tax deduction for personal HSA contributions made after federal taxes (not through payroll deduction)?

[fieldfairy529]

All of my personal HSA contributions are made by me (not through my employer) from my post-tax income. Am I able to deduct these contributions (up to current limits) when I file my taxes?

[TomYoung]

Yes.  Such contributions show up on line 25 - "Health savings account deduction. Attach Form 8889" - of Form 1040, reducing your Adjusted Gross Income.

Tom Young

[TaxAdvisor]

Does this deduction go away if you have income that exceeds some threshold? Thanks

[TomYoung]

No.

[TaxAdvisor]

But the constraint is that you have to be on a high deductible plan for the year in order to take advantage of this write off?

[TomYoung]

Not just "high deductible", it must be an "HSA-qualified HDHP"

[Sharondallas]

How do I file on turbo tax if my w2 does not reflect the HSA contribution I made outside of my paycheck, directly to my HSA account? Can I subtract the amount from my AGI?

[dmertz]

When you complete the HSA section of TurboTax, TurboTax will ask how much you personally contributed.  When you make this entry, TurboTax will include this amount on Form 8889 line 1 to be used in calculating the deduction that will appear on Schedule 1 line 12 that reduces your AGI.