The IRS sets annual contribution limits for Health Savings Accounts (HSAs), based on your coverage level and age. These limits include all contributions—yours, your employer’s, and anyone else’s.
🧮 HSA Contribution Limits for 2025:
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Individual (self-only) coverage: $4,300
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Family coverage: $8,550
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Age 55 or older: Add an extra $1,000 catch-up contribution
Example: If you’re 55+ and have family coverage, your max contribution is $9,550.
🧠Important Notes:
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You must be HSA-eligible to contribute. If you’re only eligible for part of the year, your limit may be prorated (we’ll cover that next).
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Contributions can be made until the tax filing deadline (typically April 15 of the following year).