2025 IRS HSA Limits
The IRS has released the 2025 inflation adjustments affecting Health Savings Accounts and High Deductible Health Plans.
The 2025 IRS HSA limits are as follows:
| ITEM | 2024 | 2025 |
|---|---|---|
| Annual Contribution Limit – Individual | $4,150 | $4,300 |
| Annual Contribution Limit – Family | $8,300 | $8,550 |
| Annual Catch-Up Contribution Limit (Age 55 to 65) | $1,000 | $1,000 |
| Minimum Deductible for HDHP – Individual | $1,600 | $1,650 |
| Minimum Deductible for HDHP – Family | $3,200 | $3,300 |
| Maximum Out-Of-Pocket for HDHP – Individual | $8,050 | $8,300 |
| Maximum Out-Of-Pocket for HDHP – Family | $16,100 | $16,600 |
