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.