{ "media_type": "text", "post_content": "I have an HSA I haven’t maxed out and am switching to a new employer in 2 wks with whom I’ll be signing up for a non-HSA healthcare plan. Can I still max out my HSA for the year?", "post_id": "6056d25a14be65002a192fbd", "reply_count": 3, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I have an HSA I haven’t maxed out and am switching to a new employer in 2 wks with whom I’ll be signing up for a non-HSA healthcare plan. Can I still max out my HSA for the year?

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Yes you can max out your pro-rated amount but it has to be before your HDHP end dates. Call the custodial bank and ask how to perform a lump sum contribution. - used to work in plan admin and we performed Lump Sums for people all the time. Not all eligibility systems allow it because of how janky reconciliation works against payroll, so instead you just write a check to contribute directly to the bank.

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You definitely can’t contribute without a high deductible health plan. Not sure the details on if you could front load contributions while you still have one.

No. Contributions need to be pro-rated based on months of eligibility. See, e.g., https://www.optum.com/content/dam/optum/consumer-activation/unknown/HSA_Mid_Year_Changes.pdf.

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