Key takeaways:
For 2025, you can contribute up to $4,300 to a health savings account (HSA) if you have self-only coverage, up from $4,150 in 2024.
You can contribute up to $8,550 to a family HSA for 2025, up from $8,300 in 2024.
You have until April 15 to contribute to an HSA for the prior year. That means for tax year 2025, you can make HSA contributions until April 15, 2026.
A health savings account (HSA) is a tax-advantaged account that allows you to pay for qualified medical expenses, such as acne treatment and prescription eyeglasses, with pretax dollars. To be eligible to contribute to an HSA, you must be enrolled in a qualified high-deductible health plan (HDHP). Also, there is a limit to how much you can contribute based on your age, insurance coverage, and other factors.
Below, we will review the HSA contribution limits for 2025 and help you calculate your maximum contribution.
What are the HSA contribution limits for 2025?
If you qualify for an HSA, you can contribute a maximum of $4,300 in 2025. This is the contribution limit for individuals who have self-only HDHP coverage. The contribution cap goes up to $8,550 if you have family coverage.
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The annual HSA contribution limits are higher for older individuals. If you are 55 or older by the end of the tax year, you can contribute an extra $1,000 to your account. This is known as a catch-up contribution.
Let’s say you are 57 years old and have self-only HDHP coverage. You can contribute up to $5,300 to an HSA in 2025. But if you have a family HDHP and you and your spouse meet the age requirements, you can each contribute an extra $1,000 to your HSA. Your family contribution limit would be $10,550. Keep in mind that neither you nor your spouse should be enrolled in Medicare, and each spouse must make the additional contribution to their own HSA.
The contribution window for 2025 HSA contributions opens on January 1, 2025. You do not need to make all your contributions by the end of the year. Contributions to an HSA for 2025 can be made until April 15, 2026, which is the 2025 tax-filing deadline. Keep in mind that the contribution deadline will be different if the IRS grants an extension.
HSA rules: Find out if you qualify to contribute money to an HSA this year.
HSA-eligible expenses: From dental care to prescription sunglasses, here are items that may qualify as HSA-eligible expenses.
HSA benefits: You can roll over unused funds, invest the money, and enjoy other benefits if you have an HSA.
How do I calculate my maximum HSA contribution for 2025?
The maximum amount you can contribute to an HSA for 2025 will depend on several factors, including:
The type of HDHP you are enrolled in
Your age
The date you become eligible to make HSA contributions
The date you no longer qualify to make HSA contributions
Whether you qualify for the HSA last-month rule
Consider this scenario:
You are 47 years old
You are enrolled in a qualified HDHP just for yourself
You have a qualified HDHP for only 6 months in 2025
Since you were not enrolled in HSA-eligible coverage for the entire year, you cannot contribute the maximum amount to an HSA. You will need to calculate your contribution amount based on the number of months you were HSA eligible. In this case, you can contribute up to 50% of the HSA contribution limit because you were enrolled in a qualified HDHP for half the year. Instead of contributing the full $4,300 to your HSA, your limit would be $2,150 in 2025.
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How do the HSA contribution limits for 2025 compare with the ones from 2024?
HSA contribution limits increased from 2024 to 2025. For 2025, the HSA contribution limit is $4,300 for an individual, up from $4,150 in 2024. You can contribute up to $8,550 to a family HSA for 2025, up from $8,300 in 2024.
Below is an infographic that shows the changes in contribution limits from 2024 to 2025.
What expenses are HSA eligible for 2025?
During the year, you can spend your HSA money on a variety of qualified medical expenses, such as prescription sunglasses and medications. Also, you can invest the unused funds and use your HSA during retirement. But if you’re looking to save money on healthcare expenses now, here are some HSA-eligible expenses to consider:
Blood pressure monitors
Copayments
Doctor visits
A wheelchair
You cannot use your HSA to pay for items that are reimbursed by your insurance plan or another party. So if your insurance plan reimbursed you for a dental visit, you cannot use your HSA to pay for that expense.
Will money in your HSA roll over from last year?
Yes. One of the benefits of an HSA is that the funds roll over every year, so there’s no pressure to spend the money quickly. If you have money remaining in your HSA at the end of the year, all of it will automatically roll over to the next year. Unlike flexible spending accounts, there is no deadline to use the money in your HSA.
The bottom line
The contribution limits for HSAs will increase in 2025. In 2025, you can contribute up to $4,300 if you have self-only coverage, which is $150 more than the 2024 limit. If you have family coverage, you can contribute up to $8,550, compared with $8,300 in 2024. These are the standard contribution limits for 2025. Your maximum contribution may be different depending on many factors, including your age and when you became HSA eligible.
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References
Internal Revenue Service. (n.d.). 26 CFR 601.602: Tax forms and instructions.
