The Internal Revenue Service sets annual contribution limits for health savings accounts. Our platform provides members with tools for understanding their HSA contribution limits and enforces statutory maximum limit. Read to learn more.
Annual HSA contribution limits
The IRS updates the maximum contribution limits for health savings accounts annually. Here are the set limits for 2024 and 2025.
HDHP coverage | 2024 | 2025 |
Individual | $4,150 | $4,300 |
Family | $8,300 | $8,550 |
Catch-up Contribution* | $1,000 | $1,000 |
*Individuals age 55 or older who remain HSA-eligible can make an annual catch-up contribution of $1,000 to their HSA.
HSA Contribution Calculator
Note
We provide the HSA Contribution Calculator as a tool for members. It does not prevent account holders from overcontributing.
Members can leverage our HSA Contributions Calculator to identify their annual limit. The calculator will ask members to input their health coverages and any HSA contributions made outside our system. Based on their input and contributions made on our platform, the calculator will reflect to members throughout the year their HSA contributions made that year and the remaining amount they can make.
How members can access the HSA Contribution Limit Calculator
Select Health Savings Account from the Health Wallet dashboard.
Scroll to 2025 Contributions.
Select Update.
Fill out Other HSA Contributions and My Health Coverage.
Select Save Changes.
Member Resource
"Identify your HSA contribution limit" is an excellent resource for members on how to use this tool.
Enforcement of statutory maximum
Our platform enforces the statutory maximum contribution limit (max family + catch-up contribution). To be eligible to contribute the statutory maximum, an account holder must be:
Covered by a family health plan to qualify for the maximum family contribution.
Over the age of 55 to qualify for a catch-up contribution.
Our system runs a script that detects accounts that have made contributions over the statutory maximum. Our Treasury Operations Department will return excess funds as part of our tax reporting processes.
Partner Note
Our partner, Benefit Resource (BRi), file's system is also set up to reject any account holder contributions made over the statutory maximum.
Can account holders over contribute on your platform?
Yes. We do not place controls to prevent overcontributing for individual account holders because we do not know an individual's health plan coverage.