HSA Tax Benefits in Montana (2026)
Montana follows federal HSA tax treatment.
State Income Tax
4.7%–5.9%
HSA Deduction
Yes
Growth Tax-Free
Yes
How Montana Treats HSAs
Montana conforms to federal HSA tax rules. Contributions are deductible, investment growth is tax-free, and qualified medical withdrawals are not taxed at the state level.
Montana HSA FAQs
Are HSA contributions tax-deductible in Montana?
Yes. Montana follows federal HSA tax treatment, so contributions are deductible on your state income tax return.
What is the state income tax rate in Montana?
Montana's state income tax rate is 4.7%–5.9%.
Is HSA investment growth taxed in Montana?
No. Montana 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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