re: HSA Tax Deduction

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Question, our comapany is only offering a FSA, but I want an HSA. Do I still qualify for a HSA, if yes, who does the MB suggest?

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How big of a company do you have? I'd go talk to your HR person or owner or somebody and see if they will offer an HSA for you. If they will do it, they can withhold the money pre-tax and send it directly to the account. They don't have to do the match. It doesn't cost the company anything except the time to send the contribution over. I know a lot of companies that do just this.

Otherwise, you can go and open up an HSA account with pretty much any major bank or brokerage. You just send them money whenever you want to, or you can set up to have them EFT it out on a regular basis if your checking account.

If you do it yourself, you are funding it with after-tax dollars. However, you will be able to take a deduction on your income tax return of whatever money you put in (up to the max).

At the end of the day you'll be in the same place financially.