There is a pension that they put 6% into but yes I clearly need more info. I am very excited, I was just reading about the benefits online and I also found where they talked about opting out of health insurance. 200$/month if you opt out and me being under 26 I get to use my parents health insurance. I'll check back here after having more info if I have more questions.
If you are covered under your parents' High Deductible Health Plan (HDHP), but not their dependent for Form 1040 purposes, you may contribute $6650 to
your own HSA. That would be your best option, but your parents do have to be on that HDHP....
For your original question, the best thing you could do is fill out your 2015 tax forms now, then adjust numbers to see the effects. Ok, you can't do exactly that because
- you don't know precisely what the rest of 2015 will bring, and
- the final versions of 2015 tax forms aren't available yet.
But you can make a good estimate of your own situation, and most (all?) 2015 tax rules that will affect you are known, so you should be able to come very close. See
http://forum.mrmoneymustache.com/taxes/the-mustache-tax-guide-(u-s-version)/ and
http://forum.mrmoneymustache.com/ask-a-mustachian/turbo-tax-vs-cpa/ for more ideas about this.