HSA contributions part of total income

[JJ166]

I have a high deductible family healthcare plan, and contribute to a HSA via payroll deductions. The HSA contributions are not reducing my total income, as my 403b and 457 contributions do. It's my understanding the HSA contributions are tax deductible, and I'm not paying taxes on them, and they should not be counted as part of my taxable income. Am I doing something wrong in turbotax? 

[MindyB]

You're not doing anything wrong.  Your taxable income is already reduced for HSA contributions made through payroll.  Box 1 on your W-2 doesn't include your contributions made.  Your contributions, along with your employer's, are both reported on your W-2 Box 12 Code W.  Neither are included in taxable income.

If, for some reason the contributions are being added to your income, revisit the HSA section in Deductions and Credits, and make sure you've reported that you were covered by a High Deductible Health Plan (HDHP) in 2024.

[Opus 17]

If you are talking about your pay stub for your current payroll, ask your employer.

If you are talking about your W-2, then all the items you mention should already be removed from your box 1 wages.  In addition, the HSA (but not the 403b or 457) is also removed from your box 3 and box 5 wages.  If you think your W-2 is wrong, you need to contact your employer.  

Then in turbotax, even if your HSA contributions were removed from your box 1 wages, they will be added back to your taxable wages on form 1040 unless you complete the HSA interview to certify you were enrolled in a qualified HDHP.  Make sure you complete the entire HSA interview, you can access it on the Deductions and Credits page under health care.