Are Contributions to an HSA eligible for Saver’s Credit?

Submitted by Steve Hagedorn on Fri, 2022-09-09 13:44

Wondering if an HSA contribution can be included in a IRS Saver’s Credit calculation? Further is an HSA an IRA? It seems to be treated as one after age 65, where withdrawals for non – health care expenses are taxable. It seems an HSA lends itself to many of the same features of IRA and is often mentioned in the same discussion with other IRAs.



Submitted by David Mertz on Fri, 2022-09-09 14:02

  • No.  HSAs are not defined as retirement savings.  HSAs are established under section 223 of the tax code which is not one of the sections included in the section 25B definition of a qualified retirement savings contribution.
  • HSAs and IRAs are never treated as one.  An HSA is not an IRA despite some of the rules for HSAs referencing IRA rules.


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