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Spectre75a

HDHP HSA contribution question

:OPM_seal: Pay & Benefits

This was our first year in MHBP HDHP (we previously had BCBS Basic). I am trying to contribute the maximum allowed in the HSA, without over-contributing. Our first pass-through payment of $200 was in February, so we will get $2,200 in 2025, with the final $200 coming in January (counting toward 2026), correct? That means I can contribute $6,350 ($8,550-$2,200) to our own HSA in 2025? Do I have that right, or does that last $200 pass-through somehow still count towards 2025?

Then next year, assuming we stay in the same plan, we would be getting a full $2,400 in 2026 and we would only be able to contribute $6,150 of our own (if the max stays at $8,550).

Posted Oct 10, 2025, 2:38 PM UTC

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