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HSA Contributions in St. Paul, MN 2026

Calculate your hsa contributions tax savings in St. Paul, Minnesota. With Minnesota's 9.85% state tax rate, your combined savings are higher.

Minnesota Tax Context

State Income Tax
9.85%
Local Income Tax
None
Property Tax Rate
1.11%
Tax Burden
High

State capital; Twin Cities metro

$1,322
Est. Total Savings
$4,150
Max Deduction
Above-the-Line
Deduction Type
31.9%
Combined Tax Rate

HSA Contributions Savings Calculator for St. Paul

$
$

Federal Savings

$913

22% bracket

Minnesota State

$409

9.85% rate

Local Tax

$0

0% rate

Total Savings

$1,322

31.9% combined

At a 31.9% combined tax rate in St. Paul, every $1,000 in deductions saves you $319 in taxes.

Savings by Tax Bracket in St. Paul

10%
$992
12%
$1,092
22%
$1,592
24%
$1,692
32%
$2,092
35%
$2,242
37%
$2,342

Includes 9.85% Minnesota state tax on top of federal savings.

Eligibility Requirements

Available to individuals enrolled in a High Deductible Health Plan (HDHP) who are not enrolled in Medicare or claimed as a dependent on someone else's return.

  • 1Must be enrolled in a qualifying HDHP
  • 2Cannot be enrolled in Medicare
  • 3Cannot be claimed as a dependent
  • 4Cannot have other non-HDHP health coverage (with limited exceptions)

Minnesota residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 9.85%.

Common Mistakes to Avoid

  • !Exceeding annual contribution limits ($4,150 self-only, $8,300 family for 2026)
  • !Contributing while enrolled in Medicare
  • !Not counting employer contributions toward the limit
  • !Using HSA funds for non-qualified expenses
  • !Forgetting to claim the deduction on your Minnesota state return (missing 9.85% additional savings)

Required Tax Forms

Form 8889

File these forms with your federal tax return to claim the hsa contributions. Minnesota may require additional state-specific forms.

Other Tax Deductions in St. Paul, MN

Medical and Dental Expenses Deduction

Healthcare

~$11,582
est. savings

HSA Contribution Deduction

Healthcare

~$5,067
est. savings

Long-Term Care Insurance Premiums

Healthcare

~$3,619
est. savings

Self-Employed Health Insurance

Healthcare

~$11,582
est. savings

Medical and Dental Expenses

Healthcare

~$7,239
est. savings

Archer Medical Savings Account

Healthcare

~$3,619
est. savings

Health Savings Account (HSA)

Healthcare

~$6,515
est. savings

Mortgage Interest Deduction

Housing

~$5,067
est. savings

HSA Contributions in Other Minnesota Cities

Minneapolis, MN

9.85% state tax

~$1,303
-19 vs St. Paul

Saint Paul, MN

7.85% state tax

~$1,221
-101 vs St. Paul

Rochester, MN

9.85% state tax

~$1,303
-19 vs St. Paul

Duluth, MN

9.85% state tax

~$1,303
-19 vs St. Paul

Bloomington, MN

9.85% state tax

~$1,303
-19 vs St. Paul

Brooklyn Park, MN

7.85% state tax

~$1,221
-101 vs St. Paul

Plymouth, MN

7.85% state tax

~$1,221
-101 vs St. Paul

Maple Grove, MN

7.85% state tax

~$1,221
-101 vs St. Paul

Calculate Your Full Tax Savings in St. Paul

Use our free tax calculators to optimize your entire tax return for Minnesota.

Income Tax CalculatorTaxes in St. PaulFull HSA Contributions Guide

Frequently Asked Questions

How much can I save with the HSA Contributions in St. Paul, MN?

In St. Paul, Minnesota, the hsa contributions can save you an estimated $1,322 per year. This includes $913 in federal tax savings and $409 in Minnesota state tax savings. The national average savings is $900/year.

What is the Minnesota state income tax rate for St. Paul residents?

Minnesota has a 9.85% state income tax rate. St. Paul residents have no additional local income tax. State capital; Twin Cities metro

Who qualifies for the HSA Contributions in St. Paul?

Available to individuals enrolled in a High Deductible Health Plan (HDHP) who are not enrolled in Medicare or claimed as a dependent on someone else's return.. The eligibility requirements are the same whether you live in St. Paul or elsewhere in the U.S., as this is a federal tax deduction. However, your savings amount will vary based on Minnesota's 9.85% state tax rate.

What tax forms do I need to claim the HSA Contributions in Minnesota?

To claim the hsa contributions, you need to file Form 8889 with your federal return. Minnesota residents should also check if the state allows this deduction on their state return, which could provide an additional 9.85% savings. Filing status affects your deduction limits and tax bracket.

Is the HSA Contributions better in St. Paul than in states without income tax?

Yes, St. Paul residents benefit more because Minnesota's 9.85% state income tax means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 31.9% means more savings per dollar deducted.

Related Calculators

Medical and Dental Expenses Deduction in St. Paul

Avg savings: $8,000/year

HSA Contribution Deduction in St. Paul

Avg savings: $3,500/year

Long-Term Care Insurance Premiums in St. Paul

Avg savings: $2,500/year

Self-Employed Health Insurance in St. Paul

Avg savings: $8,000/year

Medical and Dental Expenses in St. Paul

Avg savings: $5,000/year

Archer Medical Savings Account in St. Paul

Avg savings: $2,500/year