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 |
2020 |
Change |
|
HSA contribution limit |
Individual: $3,500 Family: $7,000 |
Individual: $3,550 Family: $7,100 |
Individual: +$50 Family: +$100 |
HDHP minimum deductibles |
Individual: $1,350 Family: $2,700 but not less than $2,700 per person |
Individual: $1,400 Family: $2,800 but not less than $2,800 per person |
Individual: +$50 Family: +$100 |
HDHP maximum out-of-pocket amounts |
Individual: $6,750 Family: $13,500 but no more than $7,900 a person |
Individual: $6,900 Family: $13,800 but no more than $8,150 a person |
Individual: +$150 Family: +$300 |
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.