Anyone can contribute to your HSA—including you, your employer, a family member, or anyone else. The IRS doesn’t care where the money comes from, as long as you are HSA-eligible at the time the contribution is made.
💸 Common HSA Contributors:
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You (through payroll deductions or direct deposits)
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Your employer (as a benefit or incentive)
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Your spouse or family members
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Other third parties (though rare, it’s allowed)
All contributions, regardless of who makes them, count toward your annual HSA limit.
🧠 Tax Impact:
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Contributions made by you or someone else (other than your employer) are tax-deductible on your tax return.
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Employer contributions are generally excluded from your taxable income.