I've had a HDHP with HSA for several years off and on. Every month the HDHP provider contributes $125 into my HSA. I've never been entirely sure whether or not this was considered an employer contribution and whether it needed to be included with my own contributions against the annual maximum contribution limits. I've always played it safe and tried to make sure that my own contributions plus the provider contributions never exceeded the annual limit.
Last year, I switched to a HMO because I knew I wanted to have some eye muscle surgery. My insurance switchover took place in late January, such that my HDHP provider contributed $125 for January, 2015. They sent me a 1095-B that shows that they were covering me with the HDHP in January. Turbotax is asking me whether I contributed to my HSA in 2015. I made no contribution. The only contribution was that HDHP $125 deposit made by the insurance provider. I'm trying to determine whether I really need to report that on my taxes or not. Looking at my W2, there is nothing in box 12 with a code of W. If the $125 was considered an employer contribution, wouldn't it say W 125? Thus I'm thinking I don't need to report the $125 and that those monthly contribution do not need to be factored into the annual contribution limitation.
Am I off base here? Has anyone else dealt with this situation?