IRS Releases HSA Limits for 2025


Health Saving Account holders will see an increase in contribution limits for 2025.  The new adjusted amounts, released by the IRS, also include an increase to the minimum High Deductible Health Plan (HDHP) amounts for single coverage, $1,650, and family coverage, $3,300.  Here is an overview of the new HSA limits for 2025, effective January 1, 2025.


HSA Contribution Limits for 2025

Health Savings Account



HSA Contribution Limit – Individual Coverage $4,150 $4,300
HSA Contribution Limit – Family Coverage $8,300 $8,550
HDHP Minimum Deductible – Individual Coverage $1,600 $1,650
HDHP Minimum Deductible – Family Coverage $3,200 $3,300
HDHP Maximum Out-of-Pocket – Individual Coverage $8,050 $8,300
HDHP Maximum Out-of-Pocket – Family Coverage $16,100 $16,600


How Does an HSA Benefit You?

HSAs provide significant savings for families with three tax-saving opportunities:

  1. Contributions are made with pre-tax dollars
  2. Funds earn interest tax-free
  3. Withdrawals for qualified eligible expenses are tax-free

HSAs also have long-term investment opportunities with tax benefits on contributions, earnings and distributions.


HSA Eligible Expense List

Browse thousands of pre-approved HSA eligible expenses with P&A’s vendor partner, HSA Store.  See what’s eligible for purchase with your HSA, stock up on eligible expenses and discover new healthcare products.


Log Into Your HSA

To check your account balance or manage your HSA, log into your account.

Pro Tip:  Health Savings Accounts are triple-tax advantaged accounts that can save you significantly on healthcare costs.  See how you can benefit from an HSA.

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