How Much Can I Contribute Annually to an HSA?

For 2021, the maximum annual HSA contribution is $3,600 for single coverage and $7,200 for family coverage.

The 2021 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 2021.

Except for the annual contribution limit for self-only coverage, which increased from $3,550 in 2020 to $3,600 in 2021.

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

2021 HSA catch-up contributions (age 55 or older)

• $1,000 (no change from 2020)

2021 Maximum out-of-pocket limitations for HSA eligibility:

• $7,000 for individual coverage 
• $14,000 for family coverage 

2021 Minimum deductible requirements for HSA eligibility:

• $1,400 for self-only coverage (no change from 2018)
• $2,700 for family coverage (no change from 2018)

2021 HSA contribution limits

• $3,600 for individual coverage (up $50 from 2018)
• $7,200 for family coverage (up $150 from 2018)