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 |
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.