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First published: October 26, 2021 / Last updated: February 27, 2026
HSA contribution limits by year (2004–2026)
Health Savings Account (HSA) contribution limits are set annually by the IRS and typically increase over time to account for inflation. These limits cap the total amount you can contribute across all HSAs you own in a given tax year.
How HSA contribution limits work
Each year, the IRS publishes updated HSA contribution limits based on inflation adjustments. The applicable limit depends on whether you have self-only or family coverage under a qualifying high-deductible health plan (HDHP).
In general, your annual HSA contribution limit is the IRS maximum for that year, but it can be limited by your HDHP deductible in some situations.
Catch-up contributions (age 55+)
If you are age 55 or older by the end of the tax year, the IRS allows an additional catch-up contribution. Unlike standard HSA limits, the catch-up amount is not indexed for inflation.
- You must be age 55 or older by December 31 of the tax year
- Each spouse must have their own HSA to make a catch-up contribution
- Catch-up contributions are allowed even if you become HSA-eligible later in the year
Contribution deadlines
You can contribute for a given tax year up to the federal tax filing deadline for that year (not including extensions).
For related guidance, see how HSAs compare to other long-term savings vehicles like a 401(k) or Roth IRA.
HSA contribution limits by year
| Year | Limit (self-only) | Limit (family) | Catch-up limit |
|---|---|---|---|
| 2026 | $4,400 | $8,750 | $1,000 |
| 2025 | $4,300 | $8,550 | $1,000 |
| 2024 | $4,150 | $8,300 | $1,000 |
| 2023 | $3,850 | $7,750 | $1,000 |
| 2022 | $3,650 | $7,300 | $1,000 |
| 2021 | $3,600 | $7,200 | $1,000 |
| 2020 | $3,550 | $7,100 | $1,000 |
| 2019 | $3,500 | $7,000 | $1,000 |
| 2018 | $3,450 | $6,900 | $1,000 |
| 2017 | $3,400 | $6,750 | $1,000 |
| 2016 | $3,350 | $6,750 | $1,000 |
| 2015 | $3,350 | $6,650 | $1,000 |
| 2014 | $3,300 | $6,550 | $1,000 |
| 2013 | $3,250 | $6,450 | $1,000 |
| 2012 | $3,100 | $6,250 | $1,000 |
| 2011 | $3,050 | $6,150 | $1,000 |
| 2010 | $3,050 | $6,150 | $1,000 |
| 2009 | $3,000 | $5,950 | $1,000 |
| 2008 | $2,900 | $5,800 | $900 |
| 2007 | $2,850 | $5,650 | $800 |
| 2006 | $2,700 | $5,450 | $700 |
| 2005 | $2,650 | $5,250 | $600 |
| 2004 | $2,600 | $5,150 | $500 |
Sources
- Publication 969 - IRS
- Rev. Proc. 2025-19 - IRS
- Rev. Proc. 2023-23 - IRS
Disclaimer
This page is for educational purposes only and is not tax or legal advice. Check with your HSA administrator or a qualified tax or legal professional if you have questions about your specific situation.
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