2023 HSA Contribution Limits
IRS-set limits for Health Savings Account contributions, HDHP deductible minimums, and out-of-pocket maximums for 2023.
Annual Contribution Limits
| Coverage | Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $3,850 (+$200 vs 2022) | $4,850 |
| Family | $7,750 (+$450 vs 2022) | $8,750 |
HDHP Requirements (2023)
| Requirement | Self-Only | Family |
|---|---|---|
| Minimum Deductible | $1,500 | $3,000 |
| Out-of-Pocket Maximum | $7,500 (+$450 vs 2022) | $15,000 (+$900 vs 2022) |
2023 HSA FAQs
What is the HSA contribution limit for 2023?
For 2023, the HSA contribution limit is $3,850 for self-only coverage and $7,750 for family coverage. Individuals age 55+ can contribute an additional $1,000 as a catch-up contribution.
What is the HDHP minimum deductible for 2023?
For 2023, the minimum deductible for an HSA-qualifying HDHP is $1,500 (self-only) and $3,000 (family).
What is the out-of-pocket maximum for 2023?
For 2023, the maximum out-of-pocket expenses for an HSA-qualifying HDHP are $7,500 (self-only) and $15,000 (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 $4,850 (self-only) or $8,750 (family) for 2023.
Other Years
More HSA Resources
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