Cross References

  • IRC §223
  • Rev. Proc. 2024-25
  • Rev. Proc. 2023-23
  • Rev. Proc. 2022-24

The IRS recently announced inflation adjusted amounts for Health Savings Accounts (HSAs) for 2025. These amounts are reflected in the chart below in comparison to previous years.

HSA Limitations

Annual contribution is limited to: 2025 2024 2023

Self-only coverage, under age 55 $4,300 $4,150 $3,850 Self-only coverage, age 55 or older $5,300 $5,150 $4,850 Family coverage, under age 55 $8,550 $8,300 $7,750 *Family coverage, age 55 or older $9,550 $9,300 $8,750

Minimum annual deductibles:

Self-only coverage $1,650 $1,600 $1,500 Family coverage $3,300 $3,200 $3,000

Maximum annual deductible and out-of-pocket expense limits:

Self-only coverage $8,300 $8,050 $7,500 Family coverage $16,600 $16,100 $15,000

*Assumes only one spouse has an HSA. See IRS Pub 969 if both spouses have separate HSAs.