How much may I contribute to my HSA?

Maximum annual contributions to your HSA are determined by the IRS each year.

For 2025, the maximum for someone insured under a single plan (self-only) is $4,300 and the family limit is $8,550. All tax dependents and spouses can use HSA dollars whether it’s a single or family plan. Individuals who will be at least 55 years of age by the end of a tax year may also make catch-up contributions of $1,000 above the maximum into the HSA.

For 2026, the maximum for someone insured under a single plan is $4,400 and the family limit is $8,750. Individuals who will be at least 55 years of age by the end of the tax year may also make catch-up contributions of $1,000 above the maximum into the HSA, meaning these HSA participants have 2026 limits of $5,400 for self-only and $9,750 for family coverage.

The limits include all contributions being made to your account, whether by you, your employer, or someone else.