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

2022

Change

HSA contribution limit
(employer + employee) 

Individual: $3,600

Family: $7,200

Individual: $3,650

Family: $7,300

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: $7,050

Family: $14,100 but no more than $8,700 a person

Individual: +$50 

Family: +$100 

HHS annual out-of-pocket limit

Individual: $8,550

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

Individual: $8,700

Family: $17,400 but no more than $8,700 per person

Individual: +$150

Family: +$300

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.