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A few benefits of a Health Savings Account are:
The deadline to contribute to an HSA for the previous tax year is the tax return deadline (usually April 15th, but the date may vary).
| Tax Year | HSA Type | Annual Contribution Limit | "Catch-Up" Contributions Owner is 55 or older |
| 2024 | Single | $4,150 | $1,000 ($5,150 total) |
| 2024 | Family | $8,300 | $1,000 ($9,300 total) |
| 2023 | Single | $3,850 | $1,000 ($4,850 total) |
| 2023 | Family | $7,750 | $1,000 ($8,750 total) |
For more information, visit the IRS website.
You can contribute to an HSA through Online Banking or our Mobile App. Contributions you make through Online Banking may be made for the current year or the previous year. Previous year contributions must be made prior to the tax return deadline for that year and can only be made within Online Banking from a web browser; this is not available within Delta Community’s Mobile App.
You may also submit a request that Delta Community make the contribution(s) for you by completing the HSA deposit forms. BAll forms must be completed, signed and must indicate the tax year for which the contribution is being made.
On the HSA Contribution Eligibility form in Part 3. Contribution Type Eligibility Requirements, all four (4) statements under the heading: Regular must be true and all four (4) boxes marked with a check or “X” mark certifying eligibility to contribute to an HSA.
Return the completed forms in person at a branch, by mail, by fax or upload through Online Banking. For your convenience, the address and phone number appear under Part 2 on the forms.
To upload the forms, follow the steps below:
Withdrawals from an HSA account can be done using different methods including:
If you request to deposit electronically (ACH) to your Health Savings Account, you will need to advise the company or financial institution to code it as a Checking Account and not as a Savings Account. This is due to HSA Accounts having check writing capabilities.
When coverage under a HDHP is lost, funds deposited into your HSA remain in your account and automatically carry over from one year to the next. You may continue to use the HSA funds for qualified medical expenses. If you are no longer enrolled in a high deductible health plan, you are not eligible to contribute additional funds to an HSA. If you regain HDHP coverage at a later date, you may begin making contributions to your HSA again. Call Delta Community’s IRA/HSA Department at 404-677-4600 to advise that you are no longer covered under a HDHP.
If you regain HDHP coverage at a later date, you may be eligible to make prorated contributions to your HSA again.
If you are not covered by an HDHP for the entire year, the annual contribution limit may be prorated. It is recommended to consult a tax professional to determine the maximum contribution allowed for the tax year.
Qualified medical expenses for HSAs include, but are not limited to, the following:
Refer to IRS Publication 502: Medical and Dental Expenses for a complete list of qualified medical expenses. It is recommended to consult a tax professional to determine if a medical expense is considered qualified.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
