Some of my HDHP insurance premium is pass-through to my HSA. W2 box 12 is $0. Do I include the pass-through when entering personal HSA contributions?

[onth655783]

Federal retiree. GEHA HDHP, of which $150/mo is pass-through to HSA. Do I include this $1800 when entering "Any contributions you personally made (not through your employer)" to HSA on the turbotax Deductions

[BillM223]

I need to ask you. How is this $1,800 being reported to you? Is it on a W-2? Is it on a 1099-R?

On the surface, it appears to me that GEHA is doing the same thing that an employer does when it makes contributions to your HSA, but which are not reported on your W-2. 

In any case, you don't report tax-free income - as this is - as a deduction - that would be double-dipping.

So tell me how this $1,800 is being reported to you, and we'll go from there.

[onth655783]

Hi! It's not tax-free (pre-tax) income. As a Federal Retiree I no longer get that advantaged treatment for my health care premium. I pay my premium out of after-tax income. The $1800 isn't actually reported to me. My 1099R block 5 reports $4115.69 as "employee contributions/designated ROTH contributions or Insurance Premiums", but only $1800 of that HDHP premium is pass-through to the HSA. So the $1800 is contributed to the HSA ultimately by my post-tax income, not by my employer.

[BillM223]

So the $4115.69 ends up in line 5b on your 1040? That would make it after-tax, for sure.

In this case, to answer your initial question, then yes, any after-tax contributions made by you, your spouse, or anyone on the planet to your HSA get reported in "Any contributions you personally made (not through your employer)". Yes, even if someone else is doing the paying, you get the tax benefit. This is done so that TurboTax can calculate the amount of contributions compared to the annual HSA contribution limit, to make sure you don't go over it.