2025 HSA Contribution Limits
IRS-set limits for Health Savings Account contributions, HDHP deductible minimums, and out-of-pocket maximums for 2025.
Annual Contribution Limits
| Coverage | Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $4,300 (+$150 vs 2024) | $5,300 |
| Family | $8,550 (+$250 vs 2024) | $9,550 |
HDHP Requirements (2025)
| Requirement | Self-Only | Family |
|---|---|---|
| Minimum Deductible | $1,650 | $3,300 |
| Out-of-Pocket Maximum | $8,300 (+$250 vs 2024) | $16,600 (+$500 vs 2024) |
2025 HSA FAQs
What is the HSA contribution limit for 2025?
For 2025, the HSA contribution limit is $4,300 for self-only coverage and $8,550 for family coverage. Individuals age 55+ can contribute an additional $1,000 as a catch-up contribution.
What is the HDHP minimum deductible for 2025?
For 2025, the minimum deductible for an HSA-qualifying HDHP is $1,650 (self-only) and $3,300 (family).
What is the out-of-pocket maximum for 2025?
For 2025, the maximum out-of-pocket expenses for an HSA-qualifying HDHP are $8,300 (self-only) and $16,600 (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 $5,300 (self-only) or $9,550 (family) for 2025.
Other Years
More HSA Resources
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