{"id":24631,"date":"2026-04-28T07:56:32","date_gmt":"2026-04-28T07:56:32","guid":{"rendered":"https:\/\/incredipros.com\/?p=24631"},"modified":"2026-04-28T07:56:33","modified_gmt":"2026-04-28T07:56:33","slug":"hsa-tax-benefits-ramsey","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24631","title":{"rendered":"HSA Tax Benefits – Ramsey"},"content":{"rendered":"
\n

Unless you\u2019ve got one of those magical unicorn health insurance plans with no deductible, no copay, a low premium and tons of coverage, it\u2019s easy to feel like your health insurance plan is taking more than it gives. But the good news is that there\u2019s at least one way to start balancing the scales.\n <\/p>\n

If you\u2019ve got a high-deductible health plan (HDHP), then you could be eligible to open a Health Savings Account (HSA). It\u2019s basically a triple tax-free slam dunk. No magic wand or unicorn dust needed! Here\u2019s everything you need to know about the tax benefits that come with an HSA and how to take advantage of them starting right now.\n <\/p>\n

How an HSA Works<\/h2>\n

Think of an HSA like a savings account you can use to save for qualified medical expenses now\u00a0and<\/em>\u00a0in the future. We\u2019re talking about everything from Band-Aids and body scans to midwives and motion sickness medication.\u00a0\n <\/p>\n

\n

\u00a0Home and auto insurance aren\u2019t just about low rates\u2014they\u2019re about the right coverage level. Talk to a trusted pro who can help you get both.<\/p>\n<\/p><\/div>\n

But not everyone is eligible for an HSA. There are some basic criteria you have to meet first, but once you do, making contributions is super easy and the tax benefits are immediate.\n <\/p>\n

HSA Eligibility<\/h3>\n

Three things need to be true for you to open an HSA:\n <\/p>\n

1. You\u2019re enrolled in a qualified HDHP.<\/strong>\n <\/p>\n

For 2022, that means your health insurance plan has a minimum deductible of $1,400 for single coverage or $2,800 for family.1<\/sup> It also means a maximum annual out-of-pocket expense of $7,050 for individuals and $14,100 for families.2<\/sup> This includes things like deductibles, copayments and coinsurance\u2014but not your premium.\n <\/p>\n

For 2023, the minimum deductibles bump up a bit to $1,500 for individuals and $3,000 for families.3<\/sup> And the maximum annual out-of-pocket expense is bumped up to $7,500 for individual coverage or $15,000 for family coverage.4<\/sup>\n <\/p>\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n

2022\n <\/p>\n<\/td>\n

\n

2023\n <\/p>\n<\/td>\n<\/tr>\n

\n

Minimum Annual HDHP Deductible – Individual<\/strong>\n <\/p>\n<\/td>\n

\n

$1,400\n <\/p>\n<\/td>\n

\n

$1,500\n <\/p>\n<\/td>\n<\/tr>\n

\n

Minimum Annual HDHP Deductible – Family<\/strong>\n <\/p>\n<\/td>\n

\n

$2,800\n <\/p>\n<\/td>\n

\n

$3,000\n <\/p>\n<\/td>\n<\/tr>\n

\n

Out-of-Pocket Max for HSA Eligibility – Individual<\/strong>\n <\/p>\n<\/td>\n

\n

$7,050\n <\/p>\n<\/td>\n

\n

$7,500\n <\/p>\n<\/td>\n<\/tr>\n

\n

Out-of-Pocket Max for HSA Eligibility – Family<\/strong>\n <\/p>\n<\/td>\n

\n

$14,100\n <\/p>\n<\/td>\n

\n

$15,000\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

2. You aren\u2019t enrolled in Medicare.<\/strong>\n <\/p>\n

3. You\u2019re 18 years or older and no one can claim you as a dependent on their tax return.<\/strong>\n <\/p>\n

If all of these are true, you\u2019re in. But hold your horses! Before you start contributing to an HSA, make sure you\u2019re on the right Baby Step.\n <\/p>\n

When to Contribute to an HSA<\/h3>\n

While HSAs are a great idea for folks with HDHPs, there\u2019s a right time and place when it comes to making contributions. If you\u2019re still getting out of debt and don\u2019t have a fully funded emergency fund (which means you\u2019re on\u00a0Baby Steps\u00a01 through 3), it is not the time to add money to an HSA. Every penny you can spare should be going toward demolishing your debt.\u00a0\n <\/p>\n

There are two<\/em> exceptions to that rule. The first is if you are about to have a baby, major surgery or know you\u2019re going to have some large medical expenses soon. And the second is you don\u2019t have dental or vision insurance. In those cases, you can use your HSA as a sinking fund to save for those medical costs.\n <\/p>\n

But once you reach Baby Step 4\u2014which means you\u2019re ready to start investing for retirement\u2014feel free to start putting money into your HSA (if you can work those contributions into your monthly budget)!\n <\/p>\n

HSA Tax Benefits for 2022 and 2023<\/h2>\n

In order for you to take advantage of this tax-advantaged savings account, you\u2019ve got to add some money to the pot. But before you go withdraw a huge chunk of change from the bank, know that there are limits to how much you can contribute to your HSA.\n <\/p>\n

In 2022, the maximum annual HSA contribution you can make as an individual is $3,650. For families, that number goes up to $7,300.5<\/sup>\n <\/p>\n

What about 2023? Individuals will be able to contribute up to $3,850 to their HSAs while those with family coverage can contribute up to $7,750.6<\/sup>\n <\/p>\n

And if you\u2019re 55 and older (and not enrolled in Medicare), you can also make an annual catch-up contribution of $1,000.\n <\/p>\n

But don\u2019t forget, these numbers include employer contributions. You don\u2019t want to exceed these limits, or you\u2019ll get hit with a 6% tax.7<\/sup>\n <\/p>\n\n\n\n\n\n\n
\u00a0<\/td>\n\n

2022<\/strong>\n <\/p>\n<\/td>\n

\n

2023<\/strong>\n <\/p>\n<\/td>\n<\/tr>\n

\n

HSA Contribution Limit – Individual<\/strong>\n <\/p>\n

(Employee + Employer)\n <\/p>\n<\/td>\n

\n

$3,650\n <\/p>\n<\/td>\n

\n

$3,850\n <\/p>\n<\/td>\n<\/tr>\n

\n

HSA Contribution Limit – Family<\/strong>\n <\/p>\n

(Employee + Employer)\n <\/p>\n<\/td>\n

\n

$7,300\n <\/p>\n<\/td>\n

\n

$7,750\n <\/p>\n<\/td>\n<\/tr>\n

\n

HSA Catch-Up Contribution Limit<\/strong>\n <\/p>\n

(Age 55 and Older)\n <\/p>\n<\/td>\n

\n

+ $1,000\n <\/p>\n<\/td>\n

\n

+ $1,000\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0\n <\/p>\n

Whether you contribute $50 or $7,300, here are the three major tax advantages you get to enjoy with an HSA:\n <\/p>\n

1. Tax-Free Contributions<\/h3>\n

One of the best perks of an HSA is that when you make a contribution, you\u2019re adding money tax-free. That can happen in a couple of ways.\n <\/p>\n

The first is through a pretax payroll deduction. This means your employer drops whatever HSA funds you\u2019ve earmarked to come out of your paycheck straight into your HSA account. Poof! Now you see it, now you don\u2019t. That money goes into your HSA and isn\u2019t counted as income. Therefore, it can\u2019t be taxed. Cha-ching!\n <\/p>\n

But maybe you don\u2019t get your insurance through your employer, or your employer doesn\u2019t route funds on your behalf to your HSA. No problem. Make your contributions as you normally would, and then come tax time, claim those contributions as tax deductions so they aren\u2019t counted as income.\n <\/p>\n

If you\u2019re self-employed, you contribute pretax and it won\u2019t count toward your taxable income.\n <\/p>\n

Heads up, New Jersey and California\u2014you\u2019ll have to pay state income tax on your HSA contributions.\n <\/p>\n

2. Tax-Free Growth<\/h3>\n

Now that your money is sitting pretty in an HSA, here comes tax-free bonus number two: Your money grows tax-free. Remember, an HSA is a Health\u00a0Savings<\/em>\u00a0Account, so it acts like a savings account and earns interest. But unlike a regular savings account where interest earned will be counted as taxable income, your HSA contributions can grow without the tax hit.\n <\/p>\n

Sorry, New Jersey and California, any HSA earnings are considered taxable income.\n <\/p>\n

3. Tax-Free Withdrawals<\/h3>\n

With an HSA, not only are you setting aside money for current medical expenses but you\u2019re also able to save for future health care costs. Whether it\u2019s this year or 10 years from now, when the time comes to make a withdrawal you can take that money out tax-free as long as it\u2019s for a qualified medical expense.\n <\/p>\n

There\u2019s another perk-within-a-perk here too. Once you turn 65, your HSA will also act like a\u00a0traditional IRA. You can withdraw funds from your HSA for whatever you\u2019d like, not just qualified medical expenses. Don\u2019t forget though that you\u2019ll pay taxes on those funds when you do.\n <\/p>\n

Once you\u2019re enrolled in Medicare, you won\u2019t be able to contribute to your HSA any longer. But just think, all the contributions you made pre-Medicare will give you the freedom to pay for medical expenses in retirement from your HSA, all tax-free!\n <\/p>\n

Tax Differences Between HSAs vs. FSAs<\/h2>\n

If you\u2019ve heard of HSAs, then you might also be familiar with FSAs, or Flexible Spending Accounts. Both are like emergency funds for medical expenses, but how they function out in the real world is pretty different. We break down all the need-to-know information about\u00a0HSAs vs. FSAs\u00a0here, but let\u2019s take a closer look now at their tax differences.\n <\/p>\n

1. FSA annual contribution limits are lower.<\/h3>\n

In 2023, you can contribute up to $3,050 into an FSA.8<\/sup> Because FSAs are only available through employers, it\u2019s possible your employer could set the limit lower than $3,050. With an HSA, however, an individual can contribute up to $3,850 or $7,750 for a family in 2023. The closer you get to those maximum contributions, the less you have to report as taxable income.\n <\/p>\n

2. HSA funds roll over, but FSA funds don\u2019t.<\/h3>\n

HSAs definitely have a leg up on FSAs here. FSAs are \u201cuse it or lose it,\u201d so wave bye-bye to any funds you didn\u2019t use in a calendar year. (You might be able to roll over $610 if your employer provides that option, but that\u2019s the max.)9<\/sup>\n <\/p>\n

What\u2019s that got to do with your taxes? Well, because HSA funds roll over, you can continue to grow your account year over year. All those contributions are going in tax-free and growing tax-free. An FSA zeroes out each year with no opportunity to earn tax-free interest.\n <\/p>\n

3. You can\u2019t invest your FSA funds.<\/h3>\n

One of the lesser-known benefits of an HSA is that you can invest those funds into good growth stock mutual funds. Because FSA funds have a 12-month lifespan, you lose the investment opportunity\u2014and the tax benefits\u2014with an FSA. Without the investment piece, choosing an FSA means losing out on tax-free interest and earnings.\n <\/p>\n

Open an HSA Account Yourself\u00a0<\/h2>\n

Setting up an HSA account is so easy. Like five minutes<\/em> easy if you already have an HDHP. If you don’t have an HDHP though, you can get one! We recommend connecting with our friends at Health Trust Financial. Their indpendent insurance experts can run numbers and help you figure out if an HDHP is the right fit for you. And if it is, they’ll shop around to get you the best plan at the best price so you can start cashing in on the triple tax savings of an HSA.\n <\/p>\n

\u00a0\n <\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Unless you\u2019ve got one of those magical unicorn health insurance plans with no deductible, no copay, a low premium and tons of coverage, it\u2019s easy to feel like your health insurance plan is taking more than it gives. But the good news is that there\u2019s at least one way to start balancing the scales. If<\/p>\n","protected":false},"author":1,"featured_media":24632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24631","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nHSA Tax Benefits - Ramsey | IncrediPros<\/title>\n<meta name=\"description\" content=\"Unless you\u2019ve got one of those magical unicorn health insurance plans with no deductible, no copay, a low premium and tons of coverage, it\u2019s easy to feel\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24631\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HSA Tax Benefits - Ramsey | IncrediPros\" \/>\n<meta property=\"og:description\" content=\"Unless you\u2019ve got one of those magical unicorn health insurance plans with no deductible, no copay, a low premium and tons of coverage, it\u2019s easy to feel\" \/>\n<meta property=\"og:url\" content=\"https:\/\/incredipros.com\/?p=24631\" \/>\n<meta property=\"og:site_name\" content=\"IncrediPros\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-28T07:56:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T07:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/hsa-tax-benefits.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/incredipros.com\/?p=24631#article\",\"isPartOf\":{\"@id\":\"https:\/\/incredipros.com\/?p=24631\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639\"},\"headline\":\"HSA Tax Benefits – Ramsey\",\"datePublished\":\"2026-04-28T07:56:32+00:00\",\"dateModified\":\"2026-04-28T07:56:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/incredipros.com\/?p=24631\"},\"wordCount\":1564,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/incredipros.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/?p=24631#primaryimage\"},\"thumbnailUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/hsa-tax-benefits.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/incredipros.com\/?p=24631#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/incredipros.com\/?p=24631\",\"url\":\"https:\/\/incredipros.com\/?p=24631\",\"name\":\"HSA Tax Benefits - 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