HSA contributions and limits

Because an HSA is a bank account, anyone can contribute to it, including you, your employees and your employees’ family or friends. No matter who puts money in, there’s a limit to what can be contributed each year.

High-deductible health plan limits

To have an HSA, you have to have a high-deductible health plan (HDHP). HDHPs set limits for how much members pay for health care services before the health insurance starts paying. 

 

2021

2020

Change

HSA contribution limit (employer + employee) 

Individual: $3,600

Family: $7,200

Individual: $3,550

Family: $7,100

Individual: +$50 

Family: +$100

HDHP minimum deductibles 

Individual: $1,400

Family: $2,800 but not less than $2,800 per person

Individual: $1,400

Family: $2,800 but not less than $2,800 per person

No change

HDHP maximum out-of-pocket amounts (deductibles, copayments and other amounts, but not premiums)

Individual: $7,000

Family: $14,000 but no more than $8,550 a person

Individual: $6,900

Family: $13,800 but no more than $8,150 a person

Individual: +$100  

Family: +$200  

HHS annual out-of-pocket limit

Individual: $8,550

Family: $17,100 but no more than $8,550 a person

Individual: $8,150

Family: $16,300 but no more than $8,150 per person

Individual: +$400

Family: +$800

HSA catch-up contributions (age 55 or older)1
$1,000 $1,000 No change2


1
Catch-up contributions can be made any time during the year in which the HSA participant turns 55.
2Unlike other limits, the HSA catch-up contribution amount is not indexed; any increase would require legislative change.