<prompt> Human: I feel as if this is a simple question but cant find a simple answer. Hoping one of you folks that have an HSA will know.My wife and I will be eligible oct1 for an HSA and plan on using it heavily since she is pregnant.My question is in how contributions are made. If they are done by the payroll department or company are they pulled pre tax like a traditional 401k or does it go in post tax and then get credited at tax time?Im assuming the latter is true when making the contributions yourself by transferring money.Thanks for your experience and clarification.  <response>: Ideally, if the HSA is employer-sponsored, they can do it will payroll deductions. If you have your own non-employer HDHP then youd need to make the HSA contributions with post-tax dollars and deduct them on your return.Employer deductions for HSA are superior as they are not subject to SS and Medicare taxes. If you fund the HSA with post-tax dollars you get back Federal and state, in most cases income tax, but you do not get back SS and Medicare taxes. 