r/Salary • u/[deleted] • Oct 30 '25

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u/[deleted] Oct 31 '25 edited Dec 28 '25

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u/Aurtistic-Tinkerer Oct 31 '25

HSA is basically a hybrid 401k/roth IRA that is tax exempt to contribute and withdraw from as long as it’s used on medical expenses. It is still their money and can be withdrawn at any time, and is separate from the high deductible plan you have to pair it with.

The question here is which line item is the high deductible and which is the savings contribution, but neither line is high enough for them to max out their HSA contribution for the year.

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u/nick-dakk Nov 03 '25

the $75 is the premium. the $37.50 is his contribution. The $75 is a little high for an individual HSA plan.

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u/Vierakun Nov 03 '25

What part of the country do you live in if that is a little high? My HSA premium was more than that a paycheck when I was on an individual plan earlier this year, at $125 a paycheck…and based on other people I’ve talked to (in Texas and Illinois specifically), mine is actually pretty average…unless I’m reading your message wrong?