2025 HSA Contribution Limits Released

July 2, 2024

The IRS has issued Revenue Procedure 2024-25, providing inflation-adjusted Health Savings Account (HSA) contribution amounts for calendar year 2025.

The maximum annual HSA contribution will rise from $4,150 to $4,300 for those with self-only coverage, and from $8,300 to $8,550 for those with family coverage. The maximum annual catch-up contribution for those age 55 and older will remain at $1,000.   

Individuals who are not HSA-eligible for the entire year or change from family coverage to self-only coverage during the year may need to prorate the annual limit, based on the number of months they are eligible, to avoid over-contributing. 

Minimum deductible amounts for qualifying high deductible health plans (HDHPs) will increase from $1,600 for self-only coverage to $1,650, and from $3,200 to $3,300 for family coverage. Maximum annual out-of-pocket amounts under self-only coverage will rise from $8,050 to $8,300, and from $16,100 to $16,600 for family coverage.