Hello smart tax folks!
This is my first full year of FIRE. My question is -- can I contribute to my HSA and
not deduct it from my gross income? I'm eligible for the HSA by virtue of my high deductible health plan. But because I'm FIREd and on an ACA insurance plan, I need to keep income
up to a certain level. I'll be doing Roth conversions this year to hit the required income level. That $7000 HSA family contribution space is just sitting there unused this year, and I wondered if I could contribute to it but not deduct it.
The IRS publication on HSAs says that one "can" deduct the contribution, not that one "must" :
https://www.irs.gov/publications/p969.
What do you all think? Does it make sense to take money from a regular taxable account and put it into the HSA, and not deduct the contribution? Anything unethical in doing this? Thanks!
