IRS announces new HSA limits for 2025

The IRS has released 2025 limits, for Health Savings Accounts (HSAs) for 2025. This update impacts both Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs).

Based on the cost-of-living adjustment rules, the HSA contribution limits, minimum annual deductibles, and maximum out-of-pocket amounts will increase. The HSA catch-up contribution amount will remain the same as last year.

2025 HSA contribution limits

• Individual: $4,300

• Family: $8,550

2025 HDHP minimum annual deductibles

• Individual: $1,650

• Family: $3,300

2025 HDHP maximum out-of-pocket amounts

• Individual: $8,300

• Family: $16,600

2025 HSA catch-up contribution amount (same as last year) For members who reach age 55 by December 31, 2025, the catch-up amount is $1,000.