Health Savings Account (HSA) Contribution Limits 2025

Note: This article was originally posted in early 2024 and has been updated to reflect the new 2025 HSA contribution limits.

Before we get into the numbers, let's do a brief overview of HSAs -- what they are and who can use them.

What is a Health Savings Account (HSA)?

A health savings account (HSA) operates like a checking/savings account allowing you to contribute pre-tax funds (lowering your taxable income) and use those funds for eligible medical expenses (e.g., doctor visit copays, glasses and contact lenses, prescription medications, etc.).

Who is Eligible to Contribute to an HSA?

There are 3 essential requirements for you to be eligible to contribute to an HSA.

1. Be covered by a High Deductible Health Plan (HDHP).

2. Not be covered by a non-HDHP plan (e.g., Medicare, Flexible Spending Account (FSA), etc.) - there are some exceptions.

3. Not be claimed as a dependent on another person's tax return, such as a parent.

What is a High Deductible Health Plan (HDHP)?

An HDHP is a health insurance plan that typically has a higher deductible, but lower monthly premium, compared to a similar traditional Preferred Provider Organization (PPO) insurance plan. These plans are ideal for participants who prefer to pay a lower monthly premium (fixed cost) in exchange for possibly paying more at the point of service (variable costs) and can be a great tax/savings vehicle if you anticipate minimal medical expenses in the calendar year but still want to have health insurance to mitigate your risks.

Each calendar year, the Internal Revenue Service (IRS) sets the HDHP deductible and out-of-pocket requirements.

	2025	2024	YOY Change
HDHP Minimum Deductible	Individual: $1,650 Family: $3,300	Individual: $1,600 Family: $3,200	Individual: $50 Family: $100
HDHP Maximum Out-of-Pocket	Individual: $8,300 Family: $16,600	Individual: $8,050 Family: $16,100	Individual: $250 Family: $1,500

What are the HSA Contribution Limits in 2024?

Each calendar year, the Internal Revenue Service (IRS) sets the HSA contribution limits, which typically increase annually to account for inflation and are higher for individuals with family health insurance coverage vs individual coverage.

	2025	2024	YOY Change
HSA Contribution Limit (1)	Individual: $4,300 Family: $8,550	Individual: $4,150 Family: $8,300	Individual: $150 Family: $250
HSA Catch-up Contributions (2)	$1,000	$1,000	None

(1) If you are employed, the HSA contribution limits reflect the total amount of combined employer and employee contributions.

(2) If you are 55 years old or older, your HSA contribution limit increases by $1,000.

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Darron J. Lasley

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Darron Lasley is an executive HR & Talent leader with nearly 20 years of experience in HR, recruiting, leadership, and learning & development. He works with high-growth startups and small businesses in technology/SaaS, healthcare, financial services, and other industries. Originally from Indiana, he now calls Atlanta home, with his wife and children.