The IRS has released the annual inflation adjustments for health savings accounts (HSAs) in 2025.
In 2025, the yearly contribution cap for an individual with self-only coverage in a high-deductible health plan (HDHP) rises to $4,300, while for those with family coverage, it increases to $8,550. These figures mark an increase from $4,150 and $8,300, respectively, in 2024.
If you are age 55 or older by the end of the year, you can contribute an additional $1,000 to your HSA.
For the calendar year 2025, an HDHP is defined as a health plan with an annual deductible that isn’t less than $1,650 for self-only coverage, up from $1,600 this year, or $3,300 for family coverage, up from $3,200 in 2024. Read more.