2025 HSA Limits Are Announced

May 9, 2024

On May 9, 2024, the IRS announced the Health Savings Account limits for 2025. With respect to contribution limits, the limits are higher than the ones for 2024 and the required deductible and out-of-pocket maximums have increased as well. As a reminder, these inflation adjusted amounts are effective for calendar year 2025.

HSA/HDHP Requirement	Cost-of-Living Adjustments
Limit on HSA Contributions – Self-only HDHP	2024 – $4,150 2025 – $4,300
Limit on HSA Contributions – Family HDHP	2024 – $8,300 2025 – $8,550
HDHP Required Deductible – Self-only HDHP	2024 – $1,600 2025 – $1,650
HDHP Required Deductible – Family HDHP	2024 – $3,200 2025 – $3,300
HDHP Out-of-pocket Maximum – Self-only HDHP	2024 – $8,050 2025 – $8,300
HDHP Out-of-pocket Maximum – Family HDHP	2024 – $16,100 2025 – $16,600
HSA Catch-up Contribution Limit	2024 – $1,000 2025 – $1,000

All of the above are for calendar year 2025.

For further information, please contact Attorney Mary Ellen Schill, who prepared this article, or any of the attorneys within the Employment & Benefits group at Ruder Ware.

This document provides information of a general nature regarding legislative or other legal developments, and is based on the state of the law at the time of the original publication of this article. None of the information contained herein is intended as legal advice or opinion relative to specific matters, facts, situations, or issues, and additional facts and information or future developments may affect the subjects addressed. You should not act upon the information in this document without discussing your specific situation with legal counsel.