Changes to Health Savings Accounts (HSAs) in 2025

By Kristen Kuchar, Originally posted on Bankrate

Whether you’re considering opening a Health Savings Account (HSA) or have been enjoying the benefits for years, there are some upcoming changes to this account for 2025. Changes include an increase in how much you can contribute to your account for the year as well as what exactly qualifies for a high deductible health plan (HDHP), which is required to contribute to an HSA.

Health Savings Accounts in 2025

Here is what you need to know about HSAs in 2025:

Changes to how much you can contribute

  • For an individual with self-only coverage under an HDHP, the annual contribution limitation is $4,300. This is an increase from the limit in 2024 of $4,150.

  • For an individual with family coverage, the annual limitation is $8,550. This increased from the limit in 2024 of $8,300.

  • The expected-benefit health reimbursement arrangement (the amount that your employer can contribute to your savings account) is $2,150 in 2025, up from $2,100 in 2024.

Changes to what defines a high deductible health care plan

  • For 2025, an HDHP is defined as a health plan with an annual deductible that’s not less than $1,650 for self-only coverage or $3,300 for family coverage. 

  • The annual out-of-pocket expenses, such as deductibles and copayments, don’t exceed $8,300 for self-only coverage or $16,600 for family coverage.

One item that didn’t change for 2025 is the catch-up amount for those ages 55 and older. For this group, you can contribute an additional $1,000.

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