Are HSA funds pre-tax?
HSA contributions are always tax-free. You can see that tax savings in two different ways:
Pre-tax contributions via payroll. (Generally, if your employer sends a portion of your paycheck to your HSA, it’s pre-tax funds.)
Post-tax contributions that enable you to claim a tax deduction when you file taxes.
Either way, HSA contributions don’t count towards your taxable income for federal taxes.
Does filing a tax extension affect the HSA contribution deadlines?
Tax extensions do not affect the HSA contribution deadline; you will still have until April 15, 2024, to contribute to your HSA for the 2023 tax year.
In Maine or Massachusetts, you have until April 17, 2024, because of the Patriots' Day holiday in those states.
If you were serving in, or in support of, the U.S. Armed Forces in a designated combat zone or contingency operation, you may be able to file later.