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IRS Releases 2025 HSA and HDHP Limits
IRS Releases 2025 HSA and HDHP Limits
The IRS has released Revenue Procedure 2024-25, which contains the 2025 contribution limits for HSAs and high deductible health plans (HDHPs).
Beginning in 2025:
- Qualified individuals with self-only coverage may contribute up to $4,300; a $150 increase from 2024 limits.
- Qualified individuals with family coverage may contribute up to $8,550; a $250 increase from 2024.
- As prior, individuals aged 55 and older may make an additional $1,000 catch-up contribution.
To be eligible, individuals must be enrolled in an HDHP with a minimum deductible of $1,650 for self-only coverage and $3,300 for family coverage. The maximum out-of-pocket expense limit will increase to $8,300 for self-only coverage and $16,100 for family coverage.
| 2024 | 2025 | |
|---|---|---|
| HSA Contribution Limit – Single | $4,150 | $4,300 |
| HSA Contribution Limit – Family | $8,300 | $8,550 |
| HSA Contribution Limit – 55+ Catch-Up Contribution | $1,000 | $1,000 |
| Minimum HDHP Deductible – Single | $1,600 | $1,650 |
| Minimum HDHP Deductible – Family | $3,200 | $3,300 |
| Plan Out-of-Pocket Maximum for HSA Eligibility – Single | $8,050 | $8,300 |
| Plan Out-of-Pocket Maximum for HSA Eligibility – Family | $16,100 | $16,600 |
There is a lot more information plan sponsors and participants will need to properly plan for 2025, including the ACA affordability limit and the FSA limit. The table above will be updated as new information becomes available.
For complete information on current plan limits, reference this post: IRS Releases 2024 Adjustments and Benefit Limits for ACA Affordability, HDHP Deductibles, FSA Contributions, and More.
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