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Can I make post tax contributions to my 2016 HSA to pay for medical bills from 2016 even though I switched to a PPO for 2017?
In 2016 I had a high deductible plan through my employer and made pre-tax contributions to an HSA. I did not meet the HSA contribution limit for 2016 and have remaining medical bills from 2016 that I have not yet paid. For 2017 I switched to a PPO plan with an FSA and now am making pre-tax contributions to my FSA for 2017. Can I make post-tax contributions to my HSA (until the April tax deadline) to pay for the medical bills from 2016 and claim those contributions as personal contributions to an HSA on my 2016 taxes?
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Can I make post tax contributions to my 2016 HSA to pay for medical bills from 2016 even though I switched to a PPO for 2017?
Yes, you can make contributions up through April 15, 2017, as long as you were eligible in 2016.
You can also use distributions from the HSA to pay any medical bills that occur after the date you opened the HSA, including medical expenses incurred in 2017 or later, even if you are no longer eligible to make contributions. There is no need to spend out or close the HSA.
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