The IRS has announced the 2025 limits for HSA contributions and High Deductible Health Plans (HDHPs), and we’re seeing a more noticeable bump than in past years due to ongoing inflation adjustments.
2025 HSA Contribution Limits:
- Self-Only: $4,300 (up from $4,150 in 2024)
- Family: $8,550 (up from $8,300 in 2024)
2025 HDHP Deductible Minimum:
- Self-Only: $1,650 (up from $1,600 in 2024)
- Family: $3,300 (up from $3,200 in 2024)
2025 HDHP Out-of-Pocket Expense Maximum:
- Self-Only: $8,300 (up from $8,050 in 2024)
- Family: $16,600 (up from $16,100 in 2024)
And if your employer offers an Excepted Benefit HRA (a limited-purpose HRA for things like dental or vision expenses), the maximum amount that can be made available in 2025 will be $2,150, up from $2,100 this year.
For folks 55 years old and older, an additional $1,000 catch-up contribution is allowed. If there are two individuals in a household over 55, you’ll need to have separate Health Savings Accounts for the catch-up contribution.
These updated limits were published in IRS Revenue Procedure 2024-25. You can view the full document on the IRS website here if you’re looking for the official source.
If you’re not sure whether an HSA plan is a good fit for your situation, feel free to reach out. They can be great if you’re relatively healthy, like the idea of saving for future care tax-free, or want to bank funds for retirement. But they’re not always the best option if you need consistent care or prescriptions now.
Let me know if you want to run a comparison. Happy to walk you through it.
