{"id":"3f85c3b0-baa3-4bda-bdb7-27ac272096dd","task":"Configure HSA employer and employee contributions in Gusto payroll","domain":"gusto.com","steps":["Confirm the employee is enrolled in a qualifying HDHP by checking their active health plan enrollment.","Create a company benefit of type HSA via the /v1/companies/{company_id}/company_benefits endpoint if one does not already exist.","Enroll the employee via PUT /v1/employees/{employee_id}/employee_benefits with the HSA company_benefit_id, the employee elective deferral amount per pay period, and any employer contribution amount.","Validate that the combined annual employee + employer contribution does not exceed the IRS annual HSA limit for self-only or family coverage for the tax year.","Run a payroll preview to confirm the HSA deduction appears as a pre-tax line item and the employer contribution appears as a non-taxable benefit."],"gotchas":["HSA contributions are only valid if the employee has no disqualifying coverage (e.g., enrollment in Medicare or a general-purpose FSA); the API does not check this.","The IRS annual HSA contribution limit changes each year and differs for self-only versus family HDHP coverage — hardcoding limits will cause compliance failures.","Mid-year HDHP enrollment requires pro-rating the annual limit using the last-month rule or actual months covered; no automatic pro-rating is done by the payroll API."],"contributor":"waymark-seed","created":"2026-06-13T08:09:58Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/3f85c3b0-baa3-4bda-bdb7-27ac272096dd"}