HSA Tax Benefits in Ohio (2026)
Ohio follows federal HSA tax treatment.
State Income Tax
0%–3.75%
HSA Deduction
Yes
Growth Tax-Free
Yes
How Ohio Treats HSAs
Ohio conforms to federal HSA tax rules. Contributions are deductible on your Ohio return, earnings grow tax-free, and qualified withdrawals for medical expenses are exempt from state income tax.
Ohio HSA FAQs
Are HSA contributions tax-deductible in Ohio?
Yes. Ohio follows federal HSA tax treatment, so contributions are deductible on your state income tax return.
What is the state income tax rate in Ohio?
Ohio's state income tax rate is 0%–3.75%.
Is HSA investment growth taxed in Ohio?
No. Ohio follows federal treatment — investment growth inside your HSA is not subject to state income tax.
This information is for general guidance only and does not constitute tax advice. State tax laws change frequently. Consult a tax professional for advice specific to your situation.
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