What are the minimums, maximums and limits for HSAs?

The annual limit on HSA contributions for self-only coverage in 2025 will be $4,300, a 3.6 percent increase from the $4,150 limit in 2024. For family coverage, the HSA contribution limit will jump to $8,550, up 3 percent from $8,300 in 2024.

The 2024 HSA limits and thresholds are as follows:

2024 Limits & Thresholds
	Single Coverage	Family Coverage
Annual HSA Contribution	$4,150	$8,300
Annual HSA Contribution for participants aged 55 and older	$5,150	$9,300
Maximum employer contributions for excepted benefits	$2,100	$2,100
Minimum deductible for high-deductible plan	$1.600	$3,200
Maximum out-of-pocket for high-deductible plan	$8,050	$16,100

For 2023 a Health Savings Account can be paired with any plan with an annual deductible of more than $1,500 for self-only coverage or $3,000 for family coverage.

The IRS sets HSA limits each year, and the limits are then published in the Federal Register. See Rev. Proc. 2022-24 for the final HSA levels for 2023.