2021 HSA Contribution Limits
IRS-set limits for Health Savings Account contributions, HDHP deductible minimums, and out-of-pocket maximums for 2021.
Annual Contribution Limits
| Coverage | Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $3,600 (+$50 vs 2020) | $4,600 |
| Family | $7,200 (+$100 vs 2020) | $8,200 |
HDHP Requirements (2021)
| Requirement | Self-Only | Family |
|---|---|---|
| Minimum Deductible | $1,400 | $2,800 |
| Out-of-Pocket Maximum | $7,000 (+$100 vs 2020) | $14,000 (+$200 vs 2020) |
2021 HSA FAQs
What is the HSA contribution limit for 2021?
For 2021, the HSA contribution limit is $3,600 for self-only coverage and $7,200 for family coverage. Individuals age 55+ can contribute an additional $1,000 as a catch-up contribution.
What is the HDHP minimum deductible for 2021?
For 2021, the minimum deductible for an HSA-qualifying HDHP is $1,400 (self-only) and $2,800 (family).
What is the out-of-pocket maximum for 2021?
For 2021, the maximum out-of-pocket expenses for an HSA-qualifying HDHP are $7,000 (self-only) and $14,000 (family).
Can I contribute to my HSA if I'm over 55?
Yes. If you're 55 or older, you can make an additional catch-up contribution of $1,000 on top of the standard limit, bringing your total to $4,600 (self-only) or $8,200 (family) for 2021.
Other Years
More HSA Resources
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