🏥 HSA Contribution Limits
Health Savings Account (HSA) contribution limits for self-only and family High Deductible Health Plan (HDHP) coverage. HSA funds roll over year to year and can be invested.
HSA eligibility requires enrollment in a qualified HDHP. For informational purposes only — verify at irs.gov.
HSA Contribution & HDHP Limits
| Year | Self-Only | Family |
|---|---|---|
| 2025 | $4,300 | $8,550 |
| 2024 | $4,150 | $8,300 |
| 2023 | $3,850 | $7,750 |
| 2022 | $3,650 | $7,300 |
| 2021 | $3,600 | $7,200 |
| 2020 | $3,550 | $7,100 |
Min Ded. = minimum HDHP deductible. OOP Max = maximum out-of-pocket for in-network care.
HSA Key Benefits
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Triple Tax Advantage
Contributions are pre-tax, growth is tax-free, and qualified withdrawals are tax-free.
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Funds Roll Over
Unlike FSAs, HSA funds never expire. Unused balances carry forward indefinitely.
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Investment Option
Many HSA providers allow investing balances above a threshold in mutual funds or ETFs.