Not every high-deductible plan qualifies for HSA contributions. To be HSA-eligible, your health plan must meet specific IRS requirements each year related to deductibles and out-of-pocket limits—and must not offer any disqualifying first-dollar coverage.
🩺 Minimum Deductibles for 2025:
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Individual coverage: $1,650
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Family coverage: $3,300
Your plan must have a deductible at or above these amounts.
💰 Maximum Out-of-Pocket Limits for 2025:
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Individual: $8,300
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Family: $16,600
This includes deductibles, copays, and coinsurance (but not premiums). Your plan’s total out-of-pocket max must be at or below these limits.
🚫 Other Disqualifiers:
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The plan cannot cover services (except preventive care) before the deductible is met
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You cannot also be enrolled in a general-purpose FSA or HRA unless it’s HSA-compatible (like a limited-purpose or post-deductible HRA)
🧠 Bonus Tip:
The plan must be labeled as HSA-qualified. Just having a high deductible isn’t enough—it must meet all the IRS criteria.