Question about payroll tax deductions funding an HSA not chosen by employer
I have a Health Savings Account with HSA Bank through my GEHA insurance. I also have an HSA I opened with Fidelity. I've been contributing directly to my Fidelity HSA through MyEPP. I skip funding the HSA at HSA Bank, and it is only used to collect the $1000 passthrough, which I then transfer over to Fidelity.
I was doing some research and read this on the Boglehead HSA wiki:
"Most HSAs have modest fees in the 0.3%/year range, and may also require a certain balance to be kept in cash rather than invested. Investors can choose their own HSA custodian, and at least one offers fee-free HSAs (Fidelity), but if it is not the custodian chosen by your employer, you will lose the payroll tax deduction by contributing directly."
Being that the contributions are made to my Fidelity HSA through MyEPP, does that mean I am still getting the payroll tax deductions?