HSA contribution limits

Annual contribution limits

Each year, the Internal Revenue Service (IRS) sets contribution limits for health savings accounts (HSAs).

Contributing the maximum to your HSA each year could help you build up your nest egg so you're prepared for expected, and unexpected, health care costs.

You are responsible for monitoring the amount deposited into your HSA each calendar year. Keep in mind that if your employer contributes funds, those also count toward the maximum. If you exceed the maximum contribution limit, there is a penalty imposed by the IRS. Sign in to your account online to download the Excess Contribution and Deposit Correction Request Form to request an excess contribution refund or a correction to a contribution.

2025 HSA contribution limits:

• An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,650) can contribute up to $4,300 — up $150 from 2024 — for the year. The maximum out-of-pocket is capped at $8,300.
• An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $3,300) can contribute up to $8,550 — up $250 from 2024 — for the year. The maximum out-of-pocket is capped at $16,600.

2026 HSA contribution limits:

• An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,700) can contribute up to $4,400 — up $100 from 2025 — for the year. The maximum out-of-pocket is capped at $8,500. 
• An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $3,400) can contribute up to $8,750 — up $200 from 2025 — for the year. The maximum out-of-pocket is capped at $17,000.

You have until the tax filing deadline (typically April 15) to make contributions to your HSA for the previous year.

Don't forget: Eligible individuals, 55 or older, can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

Sign in to your account today and check your contribution limit. 

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Questions about how to make a contribution to your HSA?

There are multiple ways to contribute to your HSA:

• Check with your employer to see if they offer payroll deductions.
• Sign in to your account to set up reoccurring contributions.

You an make a one-time contribution to your account at any time. 

Manage your HSA contributions

Special contributions

Build your HSA balance by transferring or rolling over funds from an IRA or another HSA.*

* Distributions, rollovers and transfers are subject to IRS restrictions. Please contact your tax advisor for information.