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Health Savings Accounts (HSA)
2025 HSA contribution limits increase to $4,300, $8,550
Key takeaways – 2025 HSA contribution limits
- 2025 HSA contribution limits will increase to $4,300 and $8,550 for self-only and family HSAs, respectively.
- 2025 HDHP minimum deductible and maximum out-of-pocket limits also are increasing.
Health savings account (HSA) contribution limits are on the rise again in 2025. The IRS announced that 2025 HSA contribution limits will increase to $4,300 for self-only HSAs and to $8,550 for family HSAs. These are increases of $150 and $250, respectively, from 2024 HSA limits.
What are the 2024 and 2025 HSA contribution limits?
| HSA | 2024 | 2025 |
| Self-only contribution limit | $4,150 | $4,300 |
| Family contribution limit | $8,300 | $8,550 |
What are the 2024 and 2025 HDHP amounts/limits?
2025 high-deductible health plan (HDHP) amounts and expense limits also increased. The 2025 HDHP minimum deductible is $1,650 for self-only coverage and $3,300 for family coverage. The maximum out-of-pocket limits for 2025 are $8,300 for self-only and $16,600 for family.
| HDHP (self-only coverage) | 2024 | 2025 |
| Minimum deductible: | $1,600 | $1,650 |
| Maximum out-of-pocket limit: | $8,050 | $8,300 |
| HDHP (family coverage) | 2024 | 2025 |
| Minimum deductible: | $3,200 | $3,300 |
| Maximum out-of-pocket limit: | $16,100 | $16,600 |
What are the 2024 and 2025 EBHRA limits?
The excepted benefit HRA (EBHRA) limits for 2025 will also increase to $2,150.
| EBHRA | 2024 | 2025 |
| Limit | $2,100 | $2,150 |
The state of HSAs today
Devenir’s 2023 year-end HSA research report shows there are $123 billion in HSA assets nationwide in more than 37 million accounts. Almost 8 percent of HSAs have at least a portion of their funds invested.
When can HSA participants change their contributions?
One of the perks of an HSA is that participants can change their contribution amount at any time!
Who is eligible for an HSA?
Your employees must be enrolled in an HSA-eligible health plan (or HDHP) to be eligible to participate in an HSA.
Whose purchases can a participant spend their HSA funds on?
An HSA participant can use their funds to pay for eligible expenses for:
- Themselves
- Their spouse
- Any HSA eligible dependents claimed on their tax return
- Anyone they could have claimed as a dependent but weren’t able to
What happens when a participant contributes more to their HSA than is allowed?
Any funds contributed beyond what the IRS allows are included on a participant’s W-2 as taxable income, plus be subject to a 6% excise tax.
How do HSA catch-up contributions work?
HSA participants who are 55 years of age or older can contribute an extra $1,000 annually. That means these HSA participants eligible for catch-up contributions have 2025 limits of $5,300 for self-only and $9,550 for family coverage.
The information in this blog post is for educational purposes only. It is not legal or tax advice. For legal or tax advice, you should consult your own legal counsel, tax and investment advisers.
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