If you’re age 55 or older, you can contribute an extra $1,000 to your Health Savings Account each year. This is called a catch-up contribution, and it’s designed to help you boost your healthcare savings as you approach retirement.
💡 Key Rules:
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You must be 55 or older by the end of the tax year
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You must be HSA-eligible to make the contribution
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Each eligible spouse must have their own HSA to make a catch-up contribution
Example: If you and your spouse are both 55+ and HSA-eligible, you can each contribute an extra $1,000—but only if you have separate HSAs
🧠Tip:
Catch-up contributions are in addition to the standard annual HSA limits. For 2025, that means:
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$4,300 + $1,000 = $5,300 for self-only
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$8,550 + $1,000 = $9,550 for family (per person age 55+ with their own HSA)