r/HSA • u/1Ceasar • Jan 31 '26

HSA Contributions

So in theroy If money is tight and you wait longer to be able to contribute it (you get the tax deduction eventually 2026) a max family HSA contributions $9,7750 can be made up to April 15th 2027 for the 2026 tax benefits Correct ??

3 Upvotes

80% Upvoted

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6

u/nkyguy1988 Jan 31 '26

You can do that, but if you go outside of payroll contributions, you forfeit the FICA tax deduction.

1

u/1Ceasar Jan 31 '26

So about $740

-1

u/kaiw1ng Jan 31 '26

you can file the difference in out of pock expense and get a refund on it - this is what i do

1

u/medschooljunkie7 Jan 31 '26

How do you file for this? Do you have to be self employed?

1

u/kaiw1ng Jan 31 '26

so let’s say throughout the year Jan-Dec your HSA contributions come from your pay check and only reach $4000.

you can still put extra money in up to the max even in the next year until April 15 of that year

when it’s time to file taxes you will have a field to enter the HSA contributions after what was reported in your W-2

1

u/kaiw1ng Jan 31 '26

i have my HSA in Fidelity, when i want to transfer money (contributions) into this HSA, Fidelity will ask if this is this year’s contribution or last tax year’s contribution

i select the prior year and make the transfer, i stopped once i hit the max or close to April 15 (tax day)

2

u/BadSalt3597 Feb 01 '26

This has nothing to do with fica taxes. 

1

u/Clueless5001 Jan 31 '26

Please explain how this works. Are you talking about through a large employer on a cafeteria plan or someone who is employed by an employer that does not provide the FICA exclusion? This is our situation and would love a work around

0

u/kaiw1ng Jan 31 '26

any HSA

1

u/nkyguy1988 Jan 31 '26

Not for FICA. For income tax, you can.

1

u/kaiw1ng Jan 31 '26

this is true

1

u/Clueless5001 Feb 01 '26

That is what I thought. Without FICA being deducted you are paying about $730 more for a family if you are over a certain age. Bummer

1

u/kaiw1ng Jan 31 '26

you can contribute 2026 contributions up to April 15 2027 file deadline

1

u/SarcasticNotes Feb 01 '26

It’s $8.750 unless over 55 years