Short answer: You generally have until the federal tax filing deadline, usually April 15 of the following year, to make HSA contributions for the prior tax year.
You can make Health Savings Account contributions for a given tax year up until the federal income tax filing deadline for that year. In most years, this deadline is April 15 of the following calendar year.
For example, contributions for the 2026 tax year can generally be made through April 15, 2027. This applies even if you are no longer enrolled in an HSA-eligible health plan at the time you make the contribution.
However, you must have been HSA-eligible during the tax year for which the contribution is made. Eligibility is based on your coverage and other HSA rules during that year, not on your status at the time you fund the account.
If you make contributions between January 1 and the tax filing deadline, be sure to designate the contribution for the correct tax year. Otherwise, it may be applied to the current year by default.
In years when the IRS extends the tax filing deadline, the HSA contribution deadline is generally extended as well.
Sources
- IRS, FAQs on Health Savings Accounts – Contribution Timing: https://www.irs.gov/faqs/health-savings-accounts-hsas
- IRS, Publication 969 – Health Savings Accounts: https://www.irs.gov/forms-pubs/about-publication-969
Content history
Originally published: March 27, 2025
Last reviewed: January 26, 2026