HSA contributions?

JJ · Joined: 25 Aug 2007 Posts: 29

I'm new to a HSA account and have a question. I'm a new early retiree and
plan on alternating between the standard deduction and itemizing every other
year on the 1040.

Must I itemize in order to take the deduction for a post-tax HSA
contribution? I plan on making a lump-sum contribution of $3,800 (2,900 +
900) in 2008, but was not planning on itemizing in 2008. If I can't deduct
it without itemizing, can I make my 2008 contribution in 2009 and double up
then?

Thanks,
Joe

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