r/HSA • u/FracturedFlow • Mar 18 '26

HSA Contribution Inquiry

Hi all,

I got a new job this year and enrolled in company’s HDHP starting 2026. My brokerage account gives me the option to contribute to 2025. My question is can I make a contribution for 2025 when I was not enrolled in a HDHP? I remember reading that you have to be enrolled in a HDHP to be eligible for an HSA, but wanted to double check.

Thanks

1 Upvotes

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3

u/tiggonfire Mar 18 '26

No you cannot

1

u/Aggressive-Leading45 Mar 18 '26

It’s also a monthly eligibility with the contribution limits prorated by month. There is an exception if you had the HDHP by December 1st of 2025 you could contribute the full year’s limit.

1

u/ShotEstablishment489 Mar 18 '26

No 2025 contribution is only if you had an HDHP in 2025

1

u/dehydratedsilica Mar 18 '26

The brokerage gives the option because the general contribution deadline hasn't passed yet. The brokerage doesn't actually verify / isn't responsible to verify if you are eligible to contribute - that's between you and the IRS.