Health Savings Account Contribution Limits

A Health Savings Account (HSA) is a tax-advantaged account that works with an HSA-qualified health plan. To take advantage of the tax benefits, you must be enrolled in an HSA-qualified health plan and own and contribute to an HSA.


Internal Revenue Code Annual Contribution Limits, Minimum Deductible, and Maximum Out-of-Pocket Expenses


Tax year 2013
Tax year 2014
HSA annual contributions limits
Individual coverage – $3,250
Family coverage – $6,450

Individual coverage – $3,300
Family coverage – $6,550

HSA catch-up contributions
$1,000 for an accountholder age 55 or older
$1,000 for an accountholder age 55 or older
Minimum deductible
Individual coverage – $1,250
Family coverage – $2,500

Individual coverage – $1,250
Family coverage – $2,500

Maximum out-of-pocket expenses
Individual coverage – $6,250
Family coverage – $12,500

Individual coverage – $6,350
Family coverage – $12,700