HSA Regulations

Inflation adjusted amounts for Health Savings Accounts (HSAs)

Self-only CoverageFamily CoverageSelf-Only CoverageFamily Coverage
Annual Minimum Deductible$1,500$3,000$1,600$3,200
Maximum HSA Contribution$3,850$7,750$4,150$8,300
Maximum Out-of-pocket$7,500$15,000$8,050$16,100
Catch Up (55 years old or older)$1,000$1,000$1,000$1,000

The IRS considers Employee plus one HDHP as family HDHP coverage.

Some family plans have deductibles for both the entire family and individual family
members. If you meet the individual deductible for one family member under these plans, you are not required to meet the higher annual deductible for the family.

If either the deductible for the entire family or the deductible for an individual family
member is less than the minimum annual deductible for family coverage allowed by the IRS, then the plan is not considered an HSA-qualified HDHP.