HSA contributions and limits

Because your HSA is a bank account, anyone can contribute to it, including your employer and your family or friends. But you’ll likely be the primary contributor.

No matter who puts money in, you’re allowed so much each year.

High-deductible health plan limits

When you have an HSA, you also have a high-deductible health plan (HDHP), which sets the limits for how much you have to pay for your health care services until the health insurance starts paying.

2019

2018

Change

HSA contribution limit

Individual: $3,500

Family: $7,000

Individual: $3,450

Family: $6,900

Individual: +$50

Family: +$100

HDHP minimum deductibles

Individual: $1,350

Family: $2,700

Individual: $1,350

Family: $2,700

Individual: No change

Family: No change

HDHP maximum out-of-pocket amounts

Individual: $6,750

Family: $13,500

Individual: $6,650

Family: $13,300

Individual: +$100

Family: +$200


Note:
 Those aged 55 or older can contribute $1,000 as a "catch-up" contribution any time during the year.

High-deductible health plan limits

When you have an HSA, you also have a high-deductible health plan (HDHP), which sets the limits for how much you have to pay for your health care services until the health insurance starts paying.

2018 HDHP minimum deductibles

Individual: $1,350

Family: $2,700

2018 HDHP maximum out-of-pocket amounts

Includes deductibles, copayments and coinsurance. Does not include premiums.

Individual $6,650

Family: $13,300