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IRS Increases HSA Contribution Limits for 2025

Beginning in January, you'll be able to contribute more to your health savings account, based on the IRS's latest inflation adjustments.


Beginning in January, you’ll be able to contribute more to your health savings account (HSA), as the IRS released its annual inflation adjustments for HSA owners on May 9.

For calendar year 2025, the annual contribution limit for an individual with self-only coverage under a high-deductible health plan (HDHP) will be $4,300. For an individual with family coverage, the amount will be $8,550. This is up from $4,150 and $8,300, respectively, in 2024.

If you are age 55 or older by the end of the year, you can contribute an additional $1,000 to your HSA.

For calendar year 2025, an HDHP will be defined as a health plan with an annual deductible that isn’t less than $1,650 for self-only coverage, up from $1,600 this year, or $3,300 for family coverage, up from $3,200 in 2024. 

Additionally, yearly out-of-pocket expenses (deductibles, copayments, and other amounts, but not premiums) won’t be able to go above $8,300 for self-only coverage or $16,600 for family coverage (up from $8,050 and $16,100, respectively, in 2024).

The increases are detailed in Revenue Procedure 2024-25 and go into effect in January 2025.