How Much Can I Contribute Annually to an HSA?

For 2019, the maximum annual HSA contribution is $3,500 for single coverage and $7,000 for family coverage.

The 2018 health savings account (HSA) guidelines were recently released by the Internal Revenue Service (IRS). These guidelines outline the inflation-adjusted contribution, deductible, and out-of-pocket spending limits for Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs) for calendar year 2019.

Except for the annual contribution limit for self-only coverage, which increased from $3,450 in 2017 to $3,500 in 2018.

These limits are updated annually and reflect cost-of-living adjustments.

2018 HSA catch-up contributions (age 55 or older)

• $1,000 (no change from 2017)

2018 Minimum deductible requirements for HSA eligibility:

• $1,350 for self-only coverage (up $50 from 2017)
• $2,700 for family coverage (up $50 from 2017)

2018 Maximum out-of-pocket limitations for HSA eligibility:

• $6,750 for individual coverage (up $100 from 2017)
• $13,00 for family coverage (up $200 change from 2016)

2019 Minimum deductible requirements for HSA eligibility:

• $1,350 for self-only coverage (no change from 2018)
• $2,700 for family coverage (no change from 2018)

2019 HSA contribution limits

• $3,500 for individual coverage (up $50 from 2018)
• $7,000 for family coverage (up $150 from 2018)

2018 HSA catch-up contributions (age 55 or older)

• $1,000 per person over 55 (no change)