HSA Limits

A Health Savings Account (HSA) is a tax-exempt spending account used to pay for medical expenses as they occur or until you need them later in life. To open or contribute to an HSA you must be covered by a qualified high deductible health plan (HDHP). The HDHP is the insurance plan that has a high deductible dollar amount (or limit) you must satisfy before the plan provides payment. The table below lists the limits involved in contributing to an HSA.

PLAN20242025

HSA contribution limits:

$4,150 Single
$8,300Family

$4,300 Single
$8,550 Family

Minimum deductible amounts:

$1,600 Single
$3,200 Family

$1,650 Single
$3,300 Family

Maximum out-of-pocket limits:

$8,050 Single
$16,100 Family

$8,300 Single
$16,600 Family

Annual HSA Contribution Limit – Age 55+ catch-up:

$1,000

$1,000