IRS 2025 HSA Limits
2025 HSA Maximum Contribution
For calendar year 2025, the maximum HSA contribution is $4,300.00 for a person enrolled as single and $8,550.00 for a person enrolled as family.
Self-only contribution limit is changing from $4,150 in 2024 to $4,300 in 2025
Family contribution limit is changing from $8,300 in 2024 to $8,550 in 2025
**Catch-up contributions of $1,000 can be made during the year by HSA-eligible participants who will turn 55 by year-end.
What is a High Deductible Health Plan (HDHP)?
For calendar year 2025, a “high deductible health plan” is defined as a health plan with an annual deductible that is not less than $1,650 for self-only coverage or $3,300 for family coverage.
The maximum annual out-of-pocket expenses for 2025 plans (deductibles, co-payments, and co-insurance, but not premiums) do not exceed $8,300.00 for self-only coverage or $16,600.00 for family coverage.
| HDHP (self-only coverage) | 2024 | 2025 |
| Annual deductible not less than: | $1,600 | $1,650 |
| Annual out-of-pocket expenses don’t exceed: | $8,050 | $8,300 |
| HDHP (family coverage) | 2024 | 2025 |
| Annual deductible not less than: | $3,200 | $3,300 |
| Annual out-of-pocket expenses don’t exceed: | $16,100 | $16,600 |