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HSA and HDHP Limits Increase for 2025

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1 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 2025.


Type of Limit




HSA Contribution Limit




Up $150




Up $250

HSA Catch-up Contributions (not subject to adjustment for inflation)

Age 55 or older



No Change

HDHP Minimum Deductible




Up $50




Up $100

HDHP Maximum Out-of-Pocket Expense Limit (deductibles, copayments, other amounts, but not premiums)




Up $250




Up $500

Download the 2025 HSA and HDHP Limits Chart

The adjusted contribution limits for HSAs take effect as of January 1, 2025. 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, 2025. Employers may need to make plan design changes for plan years beginning in 2025.

Download the bulletin for more details.

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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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Erin Woulfe

Erin Woulfe

Erin Woulfe likes to write about things that matter. Keeping her finger on the pulse of what’s happening in the public sector world, she blogs about the latest legislative news and employee benefit trends that affect our school, city and county clients. She’s been with NIS since 2002. “I love connecting to our clients and providing them with the tools they need in order to administrate their plan,” says Erin. “Whether that be materials to educate their employees on certain benefits, how to effectively communicate change within an organization, or providing tips and how-to’s to help them make their job easier.”