Thanks@DanielV01@Critter-3for the valuable information here. This really helped me to unblock on my decision.

Oh is it? I thought HSA contributions from paychecks do save payroll taxes. As mentioned here:https://healthsavings.com/hsas-best-way-save-retirement/#:~:text=W...

I've missed my contributions through pay checks. So, would like to make direct contribution to my HSA. I can claim this direct contribution as deductible during...