HSA for individuals
Discover the best way to manage the high cost of healthcare.
- •Save on premiums
- •Keep your premium savings
- •Maximize tax savings
- •Accelerate long-term savings
Health Savings Account2025-2026 HSA contribution limits and guidelines
Minimum deductible amounts
$1,650 single plan
$3,300 family plan
Maximum out-of-pocket amounts
$8,300 single plan
$16,600 family plan
HSA contribution limits
$4,300 single plan
$8,550 family plan
Catch-up contribution (age 55+)
$1,000 additional per year
To contribute to an HSA, you must be enrolled in a high deductible health plan (HDHP). The IRS sets the minimum deductible and maximum out-of-pocket limits for HDHPs each year. These limits determine your eligibility and how much you can contribute.
HSA contribution limits are set by the IRS and updated annually. Contributions can be made by you, your employer, or anyone else on your behalf, but the total cannot exceed the annual limit.
If you are 55 or older, you can contribute an additional $1,000 per year as a catch-up contribution. This is in addition to the standard contribution limit.
The IRS has announced the HSA contribution limits for 2025. These limits apply to the total contributions made by you and your employer combined.
A Health Savings Account (HSA) is a tax-advantaged account that allows you to save and pay for qualified medical expenses. To be eligible, you must be enrolled in a qualifying high deductible health plan (HDHP).
Contributions to your HSA are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are also tax-free — giving you a triple tax advantage.
Unlike a Flexible Spending Account (FSA), your HSA funds roll over year after year. There is no "use it or lose it" rule. You keep your HSA even if you change employers or health plans.
You can invest your HSA funds once your balance reaches a certain threshold. This allows your savings to grow even faster over time.
HealthEquity is the nation's largest HSA custodian, helping millions of Americans save for healthcare costs while maximizing their tax benefits.