What is the tax treatment of an eligible individual's HSA contributions?

Individuals can contribute to an HSA two ways:

  1. “Post-tax” contributions are deductible on the accountholder’s individual income tax return at the end of the tax year.
  2. “Pre-tax” contributions are contributed to an HSA before income taxes are withheld, so the tax savings is in real time with each contribution.

The combination of all pre-tax and post-tax contributions is subject to the maximum contribution limit for the HSA accountholder.

Introducing UMB HSA Saver

UMB HSA Saver is a unique investment platform designed with ease in mind. Account holders can easily research, buy and sell funds with a couple clicks.

How to use RecepitVault

How to Use ReceiptVault

Easily track and manage your healthcare receipts using ReceiptVault.

HSA FAQ Resource

Find answers to your most common HSA questions in our comprehensive HSA FAQs section.