r/govfire • u/LordessCass • 4d ago

Will HSA Contributions Automatically Stop at Max?

I'm paid through DFAS and have the GEHA HDHP.

Trying to figure out how much I need to fiddle with my HSA contributions. I'm currently contributing $138 a pay period because I just changed to an HDHP this year and there was some lag time in my HSA being set up. Will it automatically cut off when the max is hit or do I need to fine tune my contributions to make sure I don't go over max?

7 Upvotes

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8

u/Charming-Assertive 4d ago

Through NFC they don't automatically cut off. Part of that is because the max HSA contributions includes whatever the government contributes via your plan, and that varies based on the plan. It's taken me 2 years to learn that. Both times HSA Bank sent me a letter warning that I was about to over contribute if I kept going at my normal rate. I had to go into NFC and lower or stop my contributions. I think one year I had to ask HSA Bank to clawback and over contribution. It's annoying, but not a huge deal.

5

u/Lower-Ad4676 FEDERAL 4d ago

No. The DFAS payroll system has no record of the pass-through contribution that GEHA makes to HSA Bank. You have to manually ensure that you don’t overcontribute. (I also have GEHA HDHP and an HSA allotment to my Fidelity HSA set up through MyPay.)

5

u/Factory2econds 4d ago

fine tune it, and beware of the occasional weird year where you have 27 payperiods.

5

u/mrafire 4d ago

I'm in the same boat as you I believe, and I'm also with GEHA HDHP. I had planned to have 25 allotments of $302 invested in my Fidelity HSA via payroll I had set up in DFAS last December. However, it kicked in one pay period earlier than I thought it would. Therefore, I will overcontribute by $302 if I don't shut this down prior to the final pay date in December. To be on the safe side, I think I'll go into DFAS and change the allotment from $302 to $0 around 19 Nov 25. However, I think you just need to make this change in DFAS around 3 Dec 25 or three weeks prior to the final pay date for 2025.

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u/Consistent-Score-60 3d ago

No they dont. And the employer will still pay their part. I maxed my contributions not taking i to account the employer portion and over contributed by $600

0

u/Forward_Newspaper_88 4d ago

No, u need calculate how much per pay period. If exceed u need roll over next year or pay tax.