Thanks to the ongoing inflation, employees will be able to contribute more money into their health savings accounts (HSAs) next year. HSA contribution limits for 2025 will see a small inflation-adjusted jump, the IRS announced. The annual limit on HSA contributions for self-only coverage will be $4,300, a slight increase from the $4,150 limit in 2024.

The small increase comes on the heels of HSA contribution limits getting their biggest-ever boost in 2024, when the limit jumped from $3,850 in 2023 to $4,150 for individuals. Employees (ages 55 and older) are allowed catch-up contributions, depositing an extra $1,000 to their HSAs in 2025.

For calendar year 2025, the annual limitation on deductions for an individual with family coverage under a high-deductible health plan (HDHP) is $8,550, up from $8,300 in 2024. The 2025 maximum annual out-of-pocket amount for HDHP self-only coverage is $8,300, and the maximum annual out-of-pocket amount for HDHP family coverage is twice that: $16,600.