HSA Contribution Limits

HSA (Health Savings Account) Contribution Limits refer to the annual maximum amounts an individual can deposit into a tax-advantaged HSA when enrolled in a qualifying High-Deductible Health Plan (HDHP). These limits are set each year by the IRS and vary based on coverage type - individual or family - and age, with a higher catch-up allowance for those 55 and older. Staying within these limits helps maximize tax benefits while avoiding penalties.

Key Facts

• 2025 Limits:
  
  • Self-only Coverage - $4,300
  • Family Coverage - $8,550
  • Age 55+ Catch-Up - Additional $1,000
• 2026 Forecast:
  
  • Self-only - $4,400
  • Family - $8750
  • Catch-Up remains - $1,000
• Eligibility: Must be enrolled in an IRS-qualified HDHP - minimum deductible of $1,650 (self)/$3,300 (family), and out-of-pocket max not exceeding $8,300 (self)/$16,600 (family) for 2025.
• Deadline: Contributions can be made up until the tax filing deadline (around April 15) for the prior tax year.
• Prorated Limited: For mid-year eligibility, limits can be prorated using the IRS "last-month rule." For example, contributing $4,300/12 x number of eligible months.

1. What are the HSA contribution limits for 2025?

• Self-only: $4,300.
• Family: $8,550, those aged 55 and older can contribute an extra $1,000.

2. Can I contribute to an HSA if I’m over 55?

Yes, individuals aged 55+ can make an additional catch-up contribution of $1,000 on top of the base limit.

3. What are the contribution limits for 2026?

• Self-only: $4,400
• Family: $8,750
• Catch-up: Catch-up remains at $1,000.

4. When is the HSA contribution deadline?

You can contribute for a tax year until the tax filing deadline (typically April 15) of the following year.

5. What if I only have HSA eligibility part of the year?

Use the IRS proration method (for example,  $4,300 ÷ 12 × months eligible). If you’re eligible on December 1, you may qualify for the full-year limit under the “last-month rule,” provided you remain eligible for the following 12 months.