RE: Reduce Taxable Income by Fully Funding an HSA

Hello Tax People,

The Facts: Job $52,000 Salary Higher Fed Tax Rate 22% $48,476 – $103,350 Lower Fed Tax Rate 12% $11,926 – $48,475 Fully Funded HSA for Tax Year 2025 $4,300

If Taxable Income of $52,000 is reduced by $4,300 through direct payroll contribution then $47,700 remains taxable income. Therefore, Lower FTR of 12% is incurred, saving 10% of taxable income.

The Question: Will this be worth it? Does my math checkout?