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, and their maximum out-of-pocket amount.

	2022	2023	Change
HSA contribution limit (employer + employee)	Individual: $3,650 Family: $7,300	Individual: $3,850 Family: $7,750	Individual: +$200 Family: +$450
HDHP minimum deductibles	Individual: $1,400 Family: $2,800 but not less than $2,800 per person	Individual: $1,500 Family: $3,000 but not less than $3,000 per person	Individual: +100 Family: +200
HDHP maximum out-of-pocket amounts (deductibles, copayments and other amounts, but not premiums)	Individual: $7,050 Family: $14,100 but no more than $8,700 a person	Individual: $7,500 Family: $15,000 but no more than $9,100 per person	Individual: +$450 Family: +$900
HHS annual out-of-pocket limit	Individual: $8,700 Family: $17,400 but no more than $8,700 per person	Individual: $9,100 Family: $18,200 but no more than $9,100 per person	Individual: +$400 Family: +$800
HSA catch-up contributions (age 55 or older)1	$1,000	$1,000	No change2

¹Catch-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.