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