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HSA and HDHP Limits Increase for 2023

HSA and HDHP 2023 limits

1.5 minute read

The IRS recently announced the inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) will increase for 2023.

Type of Limit 2022 2023 Change
HSA Contribution Limit Self-only $3,650 $3,850 Up $200
Family $7,300 $7,750 Up $450
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 $1,500 Up $100
Family $2,800 $3,000 Up $200
HDHP Maximum Out-of-Pocket Expense Limit (deductibles, copayments, other amounts, but not premiums) Self-only $7,050 $7,500 Up $450
Family $14,100 $15,000 Up $900


The adjusted contribution limits for HSAs take effect as of January 1, 2023. 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, 2023. Employers may need to make plan design changes for plan years beginning in 2023.

Download the bulletin for more details.

Download the 2022 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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Scott Fritz

Scott Fritz

Scott Fritz always has a willingness to help others, which has made him an ideal candidate for working in the public sector benefits arena throughout his career. He’s a team player and enjoys strategizing, problem solving, and finding effective cost-saving solutions for his clients. As an Employee Benefit Consultant with National Insurance Services, Scott is responsible for the overall assessment and management of an employer’s benefit plans. He is a licensed insurance agent and works with schools, cities, counties, and community mental health organizations in Michigan and North Carolina.