---
title: HSA (Health Savings Accounts) Contributions
description: Where can I see how much was contributed to an HSA?
---

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# HSA (Health Savings Accounts) Contributions

## There are two ways to fund an HSA:  

1\. Through payroll deductions

2.  Through out-of-pocket contributions 

- Payroll deductions into an HSA count as Section 125 cafeteria plan contributions. These contributions reduce taxable income and are not included in FICA wages. As such, they will be entered in the [Wages Worksheet](https://help.holistiplan.com/how-do-i-use-the-wages-worksheet?hsLang=en) as Pre-tax Deductions to Section 125 plans and Other Pre-tax deductions Not Subject to FICA.

![](https://help.holistiplan.com/hs-fs/hubfs/image-png-Feb-09-2026-08-32-34-9958-PM.png?width=670&height=648&name=image-png-Feb-09-2026-08-32-34-9958-PM.png)

You can use the calculation rows in a [Field Note](https://help.holistiplan.com/field-notes?hsLang=en) to differentiate an HSA Contribution from other Pre-tax deductions modeled in this field.

This can also be modeled within the [Income Annualizer](https://help.holistiplan.com/income-annualizer?hsLang=en) as Pre-tax Deductions Not Subject to FICA.

![](https://help.holistiplan.com/hs-fs/hubfs/image-png-Feb-09-2026-08-41-54-3008-PM.png?width=549&height=448&name=image-png-Feb-09-2026-08-41-54-3008-PM.png)

 

HSA contributions made outside of payroll deduction**s** are reflected in the Schedule 1 Deductions section. Though these serve as a deduction for income tax purposes, since they were not deducted from wages, they are not afforded the same payroll tax (FICA) savings that HSA contributions made via payroll deductions are.

![](https://help.holistiplan.com/hs-fs/hubfs/image-png-Feb-09-2026-08-45-31-1856-PM.png?width=536&height=389&name=image-png-Feb-09-2026-08-45-31-1856-PM.png)

**Caution:** If an amount above the maximum contribution limit is entered, this field will show a red warning indicating excess limitation. **This maximum does not coordinate with any amount entered into the Wages Worksheet** as a payroll deduction, so be cautious if a portion is contributed via payroll and the individual does a separate direct contribution.

![](https://help.holistiplan.com/hs-fs/hubfs/image-png-Feb-09-2026-08-50-00-6607-PM.png?width=561&height=459&name=image-png-Feb-09-2026-08-50-00-6607-PM.png)

 

---

### Where can I see how much was contributed to an HSA on a tax return?

To view how much a client has contributed to their HSA in a prior year, review the Tax Reports Observations section. If the client made any contributions either via payroll or directly, they will appear in the following observation below: 

![](https://help.holistiplan.com/hs-fs/hubfs/image-png-Feb-09-2026-09-14-33-8096-PM.png?width=670&height=38&name=image-png-Feb-09-2026-09-14-33-8096-PM.png)

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