Yes, you can contribute directly to your Health Savings Account (HSA) at any time throughout the current tax year, in addition to regular payroll deductions.

How?

Contributing outside of regular payroll contributions can be done through direct ACH or check payment.

Your total annual contributions, including both individual and employer contributions, must stay within the IRS annual limits.

For 2025, employees with a Health Saving Account (HSA) may elect to contribute up to an annual maximum of:

• $4,300 for self-only coverage 
• $8,550 for family coverage

Steps

All payments initiated to your HSA will be considered contributions for the current tax year.

Direct ACH

You're able to initiate direct ACH payments to your HSA using the account and routing information available in the Benepass app.

1. Navigate to your Health Savings Account
2. Click "View overview" then "Bank details"
3. Note your account and routing numbers
4. Initiate an ACH transaction from your personal checking or savings using the account details from step 3

Check payment

If you are unable to initiate an ACH payment, you are also able to send a check payment. 

1. Make check payable to "Pacific West Bank for the benefit of [Account Holder Name]"
2. Mail to:
   Pacific West Bank
   Attn: Benepass
   2040 8th Avenue
   West Linn, OR 97068

The bank will receive and process your check once it has arrived. 

Common questions

Can I contribute for a previous tax year?

You may be able to contribute towards a prior tax year depending on your eligibility and tax filing status. To contribute to a prior tax year you must first verify:

• That you were actively enrolled in an HSA in the prior tax year
• That your contributions did not exceed the prior year's contribution limit
• That your taxes for the prior year have not been filed

If any of the three statements above are not applicable to you, then you are not able to contribute to a prior tax year. 

If you meet all qualifications, please contact the Benepass Support team for further assistance. Please note that incoming payments can take 7-10 business days to arrive, and therefore must be processed well in advance of your tax filing deadline.

What happens if I contribute too much?

Excess contributions must be removed by the tax filing deadline to avoid penalties. As the HSA owner, you are responsible for monitoring your contribution limits.

If you have found that you've over contributed, you are able to withdraw funds at any time. Please contact Benepass Support for assistance.

Can I make a lump sum contribution?

Yes, you can front-load or stagger your yearly contributions based on upcoming expenses, as long as you stay within the annual limits.