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HSA limits for 2025 were announced on May 9, 2024. The IRS released Revenue Procedure 2024-25, which provides limits related to high deductible health plans (HDHP) and HSAs for calendar year 2025. The 2025 limits are as follows:
Self-Only Enrollment in an HDHP 2025 HSA Limits:
- Maximum annual contribution: $4,300 (up from $4,150 in 2024)
- Minimum deductible for the HDHP to be HSA qualified: $1,650 (up from $1,600 in 2024)
- Maximum HDHP out-of-pocket limit: $8,300 (up from $8,050 in 2024)
Family Enrollment in an HDHP 2025 HSA Limits:
- Maximum annual contribution: $8,550 (up from $8,300 in 2024)
- Minimum deductible for the HDHP to be HSA-qualified: $3,300 (up from $3,200 in 2024)
- Maximum HDHP out-of-pocket: $16,600 (up from $16,100 in 2024)
Pro-tip: HSA account holders age 55+ can contribute an additional $1,000 on top of the maximum as a catch-up contribution.
What does this mean for me?
You probably already know by now that maxing out your contribution to your HSA can make a world of difference as you invest in your health and in your future retirement. The more dollars you can set aside into your account, the more opportunity you have to earn a greater return on your investment — and afford both planned and unplanned eligible medical expenses with the help of pre-tax dollars.
The key is to work smarter, not harder. So how can your HSA funds work smarter for you? Contribute as much as 2025 limits (and your budget) allow you to, consider all the healthcare expenses and essentials you require on a regular basis like over-the-counter medicines, or period care products. If you live with a chronic condition or illness such as diabetes, your HSA has you covered there too. Using your HSA to purchase diagnostic products like blood glucose monitors and lancet refills can make managing your health needs that much more affordable.
Remember, your HSA is a great long-term savings tool, but it can also help in the short-term to offset the cost of your health needs. Consider your short-term healthcare purchases a long-term investment in a healthy retirement.
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