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HSA and HDHP Limits Increase for 2022

HSA and HDHP Limits for 2022

1.5 minute read

The IRS has recently announced the inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) will increase for 2022.

Type of Limit 2021 2022 Change
HSA Contribution Limit Self-only $3,600 $3,650 Up $50
Family $7,200 $7,300 Up $100
HSA Catch-up Contributions (not subject to adjustment for inflation) Age 55 or older $1,000 $1,000 No Change
HDHP Minimum Deductible Self-only $1,400 $1,400 No Change
Family $2,800 $2,800 No Change
HDHP Maximum Out-of-Pocket Expense Limit (deductibles, copayments, other amounts, but not premiums) Self-only $7,000 $7,050 Up $50
Family $14,000 $14,100 Up $100


The adjusted contribution limits for HSAs take effect as of January 1, 2022. Employers may need to update their enrollment materials and communicate the new limits to employees as part of their enrollment process.

The adjusted HDHP cost-sharing limits take effect for the plan year beginning on or after January 1, 2022. Employers may need to make plan design changes for plan years beginning 2022.

Download the bulletin for more details.

Download the 2021 IRS Contribution Limits Info Sheet


National Insurance Services is not a law firm and no opinion, suggestion, or recommendation of the firm or its employees shall constitute legal advice. Readers are advised to consult with their own attorney for a determination of their legal rights, responsibilities and liabilities, including the interpretation of any statute or regulation, or its application to the readers’ business activities.

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Mari Wagner

Mari Wagner

The greatest badge of success for Mari Wagner is when her customers reach out and let her know how appreciative they are of her help and services. Mari is dependable, driven, committed, and enjoys meeting new people. Mari joined the National Insurance Services (NIS) team after working with NIS for several years on mutual clients benefit plans. She finds that NIS has similar values and mindset to her own. As an Account Manager, Mari works with schools, cities, and counties in Minnesota and South Dakota. She is a licensed insurance agent with a background in sales, wellness, managing insurance pools, marketing, and consulting.