One common question people have when they have a health savings account is how much they can contribute to their HSA.

Contribution Limits Based on Coverage Type

The answer depends on whether you have single or family coverage on your HSA-qualified high-deductible health plan:

• If just one person is covered, you have single coverage.

• If more than one person is covered, you have family coverage.

In 2025:

• A person with single coverage can contribute up to $4,300 per year.

• Someone with family coverage can contribute up to $8,550 per year.

Both amounts are adjusted annually for inflation.

Catch-Up Contributions for Age 55+

If you are age 55 or older, you can make an additional catch-up contribution of up to $1,000 per year to your HSA.
This catch-up amount is not adjusted for inflation.

Who Can Contribute?

Anyone can contribute to a health savings account:

• The individual account holder

• The employer, on the account holder’s behalf

• Family members, such as parents or a spouse

For example, a married couple might contribute to their daughter’s HSA after she graduates from college to help kick-start the account. That’s a great gift—but in this case, the daughter is the one who receives the tax deduction, not the parents.

Contribution Limits Apply to All Sources

Regardless of who makes the contributions, the total annual contribution to your HSA (from all sources combined) is limited based on whether you have single coverage or family coverage