2025 Maximum Contribution Levels for Health Savings Account

July 3, 2024

The IRS has announced the 2025 maximum contribution levels for health savings accounts (HSAs) as well as the out-of-pocket spending limits and minimum deductibles for high deductible health plans (HDHPs) that must be paired with HSAs.

2025 Limits

• HSA Contributions:
  • For individuals with self-only coverage: $4,300 annually.
  • For individuals with family coverage: $8,550 annually.
• HDHP Out-of-Pocket Maximums:
  • Self-only coverage: $8,300 annually.
  • Family coverage: $16,600 annually.
• HDHP Minimum Deductibles:
  • Self-only coverage: $1,650 annually.
  • Family coverage: $3,300 annually.

Additionally, the IRS announced the 2025 maximum amount available for excepted benefit health reimbursement arrangements (HRAs) is $2,150.

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