HSA Contribution Limits for 2025

Health savings accounts (HSAs) provide a way for you to set aside a portion of your income tax-free to help cover qualified medical expenses. You may be eligible for an HSA if you’re enrolled in a high-deductible health plan (HDHP).

While HSAs provide a valuable opportunity to save on taxes, it's important to note that there’s a maximum amount you can set aside in these accounts. You can make contributions up to a specified amount each year, allowing you to proactively allocate your healthcare savings.¹

The Internal Revenue Service (IRS) increased HSA contribution limits for 2025 to $4,300 for individuals and $8,550 for families.² Here’s a quick breakdown of the 2025 HSA contribution maximums and how they compare to the 2024 maximum contributions:³

There’s a $150 increase for individuals and a $250 increase for families in 2025 in order to adjust for inflation.^2,3

These limits are the maximum dollar amount you, your employer, and anyone else who contributes to your HSA can add in one year. If you overcontribute, any excess contributions may be subject to tax penalties.¹

Let's take a deeper look at how HSA contributions work, as well as some other important health savings account information to know.

How do HSA contributions work?

If you’re eligible through your HDHP, you can either set up an HSA with your employer or choose to get one with a different HSA provider. Either way, an HSA lets you set aside part of your income in the form of pretax dollar contributions. Your employer, spouse, and other family members can also contribute to your account. However, it's important to note that their financial support counts toward your max.

There are a few scenarios that affect your contribution maximum — namely, if you have an individual or family HSA. Additionally, if you enroll partway through the year or are over 55 years old, there are other contribution guidelines for you to follow.¹

HSA contribution limits for people 55+

Individuals who are 55 or older may be able to contribute an additional $1,000 to their HSA in 2025. This additional contribution amount remains unchanged from 2024. HSA catch-up contributions like these can help give seniors an extra buffer for healthcare costs and help maximize their tax savings.³

Prorated HSA contribution limits for a partial year

Sometimes, you may give up or lose your HDHP and HSA eligibility partway through the year. This can happen because of a qualifying life event — for instance, you get married and enroll in your spouse’s insurance plan.

If you enroll in a new HSA-eligible HDHP partway through the year or lose coverage partway through the year, your provider prorates your maximum contribution limit.⁴ The prorated amount is determined by the months that you’re actually able to contribute to an HSA. In other words, if you are HSA-eligible on the first of the month, you're considered HSA-eligible for that whole month.⁴

How to calculate prorated HSA contribution limits:

You can calculate your prorated contribution limit for a self-only HSA by taking the number of months you do have an HSA-eligible HDHP and dividing that number by 12, then multiplying that by the annual contribution limit for that year. For example, say you drop your individual HDHP plan on July 15 (meaning, you’re still HSA-eligible through the end of July). You would be eligible to contribute to a self-only HSA for 7 out of 12 months — meaning the prorated rate is seven-twelfths of the annualized amount.⁴

To get the prorated limit, first find 7 divided by 12, and then multiply that number by the 2025 contribution limit of $4,300 (for individuals). This gives you a prorated contribution limit of $2,508.33 for a self-only HSA.

HSA contribution deadlines

HSAs operate on the tax-year schedule. In most cases, you can add contributions up to the deadline for filing your income taxes. This means you can contribute to your 2025 HSA until April 15, 2026.⁵

HSA eligibility requirements

The IRS also made changes to the eligibility requirements for 2024. While you still need an HDHP to qualify for an HSA, not all HDHPs are HSA-eligible. It’s important to know your plan deductible and limits before you enroll in an HSA, since these are the numbers that determine your eligibility.

The IRS raised the minimum HDHP deductible for 2025 by $50 for individuals and $100 for families. This is the amount of money policyholders have to pay out of pocket before insurance coverage kicks in.^2,3

• Individual HDHP minimum deductible for 2025: $1,650
• Family HDHP minimum deductible for 2025: $3,300

The IRS also made changes to the maximum out-of-pocket amounts for 2025. They increased the amounts by $250 for individuals and $500 for families. This is the maximum amount of money policyholders must pay before their insurance covers everything 100%.²

• Individual HDHP out-of-pocket limit for 2025: $8,300
• Family HDHP out-of-pocket limit for 2025: $16,600

Contribution limits for multiple HSAs

If you have more than one HSA, you still have to follow the IRS’s contribution limits for an individual or family. However, you can choose to contribute the full amount to one HSA or split it across multiple HSAs.⁶

Make the most of your HSA

Fully funding your HSA up to the IRS’s contribution limit can help you pay for medical expenses for 2025 and beyond, as any money contributed rolls over into the next year. This can be a great way to set money aside to use on medical expenses in retirement. Additionally, you can apply your HSA money to more than just traditional medical bills, using it on things like eligible dental care, mental health services, massages, and other holistic treatments.

HSAs also come with triple tax advantages. Contributions you and your employer make through your paycheck are excluded from your taxable income. You can also claim tax deductions on contributions you make outside of your paycheck — aka with post-tax dollars — and any earnings grow tax free¹ Plus, as long as distributions are used for qualifying expenses, they’re also tax free.

No matter what you decide to do, it’s important to avoid going over the contribution limits in order to avoid penalties.