If you’re on an HSA eligible plan through the marketplace then you can contribute to an HSA up to the maximum annual limit. If you’re contributing directly and not as a payroll deduction through your business then you won’t get the full benefit of deducting your contribution from payroll taxes, but you’ll still get the benefit of deducting it from income taxes at the end of the year.

This is what I do and in my opinion it’s totally still worth it, as long as an HDHP healthcare plan is a good fit for your family’s healthcare needs.