......
top of page

HSA Contribution Limits for 2025

Save Smart. Spend Strategically. Grow Tax-Free.
Updated by White Wolf CPA | Last reviewed May 2025

DSC02307.jpg

What Is a Health Savings Account (HSA)?

An HSA is a tax-advantaged account that helps you save and pay for qualified medical expenses. You must be enrolled in a High-Deductible Health Plan (HDHP) to qualify.

2025 HSA Contribution Limits

Coverage Type                                               Contribution Limit

Individual                                                       $4,150

Family                                                             $8,300

Catch-Up (Age 55+)                                       Additional $1,000

​

Tip: Contributions can be made until April 15, 2026 for the 2025 tax year.

Who Is Eligible for an HSA?

To qualify for an HSA in 2025, you must:

  • Be covered by an HSA-qualified HDHP

  • Not have other health coverage (like Medicare or non-HDHP plans)

  • Not be claimed as a dependent on someone else’s return

Benefits of an HSA

  • Triple Tax Advantage

    • Pre-tax or deductible contributions

    • Tax-free growth on earnings

    • Tax-free withdrawals for qualified expenses

  • Funds Rollover: Unused funds carry forward year after year

  • Portability: Your HSA stays with you, even if you change jobs

Strategic Tips from White Wolf CPA

  • Contribute regularly—monthly deposits reduce last-minute burden

  • Treat your HSA like a retirement tool: let funds grow, only use when needed

  • Once you hit your provider's investment threshold (e.g., $1,000+), consider investing the balance for compound growth

Free Download

HSA Contribution Guide (PDF): Print-friendly summary you can share with clients or employees​

bottom of page