How to access the HSA Contribution Limit Calculator
You can leverage the HSA Contributions Calculator to identify your annual limit. The calculator will ask you to input your health coverage and any HSA contributions made outside our system. Based on your input and contributions made on our platform, the calculator will reflect to you throughout the year your HSA contributions made that year and the remaining amount you can make.
Note
We provide the HSA Contribution Calculator as a tool. It does not prevent account holders from overcontributing.
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.
Two contribution limits
Health savings accounts have two types of contribution limits: individual (aka self-only) and family. These limits are updated annually by the IRS to adjust for inflation.
HSA-qualified HDHP
Each year, the IRS sets criteria for HSA-qualified high-deductible health plans. The requirements include minimum deductibles and out-of-pocket maximums.
The IRS defines family coverage as any coverage other than self-only coverage. Examples of family coverage include individual and spouse, individual and children, or individual and spouse and children.
Individual contribution limit
HSA is linked to a high-deductible health plan that covers only the individual account holder and meets the criteria set by the IRS for HSA eligibility.
In this scenario, the account holder can only contribute the individual (self-only) contribution limit.
Family contribution limit
HSA is linked to a high-deductible health plan that covers more than just the individual account holder and meets the criteria set by the IRS for HSA eligibility. Typically, it covers the account holder, spouse, and dependents.
In this scenario, the account holder can contribute to the family contribution limit.
HDHP coverage | 2023 tax year | 2024 tax year |
Individual | $3,850 | $4,150 |
Family | $7,750 | $8,300 |
Source: IRS Rev. Proc. 2023-23