I just opened an HSA through my employer and my pre tax contributions won’t start until 2026. However, I wanted to see if it would be beneficial to deposit $4,150 of post tax money into my HSA now before the year ends. I understand I’m losing the pre tax benefit, but I’m still gaining the tax free growth and tax free withdrawal on the investment.
I also heard you can still deduct this even if you don’t itemize, but you need to fill out a specific form with the IRS.
Would love to know your guys thoughts!