FHSA

FHSA gets 8k contribution room per calendar year.

FHSA can carry over a maximum of $8,000. This means the most contribution room you can have at once is $16,000. (ie, if you only deposit 4k during 2024 you would only have 16k again in 2025 instead of 20k).

The deadline to contribute for your taxes is Dec 31.