Health Savings Account (HSA) IRS limits
2025 |
||
|---|---|---|
| Single Plan | Family Plan | |
| Maximum Contribution Limit | 4300 | 8550 |
| Minimum Deductible | 1650 | 3300 |
| Maximum Out-of-Pocket | 8300 | 16600 |
| Catch-up Contribution (55+) | 1000 | 1000 |
2026 |
||
|---|---|---|
| Single Plan | Family Plan | |
| Maximum Contribution Limit | 4400 | 8750 |
| Minimum Deductible | 1700 | 3400 |
| Maximum Out-of-Pocket | 8500 | 17000 |
| Catch-up Contribution (55+) | 1000 | 1000 |
Flexible Spending Account (HC-FSA and LP-FSA) IRS limits
2025 |
||
|---|---|---|
| Maximum Contribution | 3300 | |
| Maximum Carryover Amount | 660 | |
Dependent Care Flexible Spending Account (DC-FSA) IRS limits
2025 |
||
|---|---|---|
| Maximum Contribution Per Spouse if Married and Filing Separately | 2500 | |
| Maximum Contribution Per Household (Single or Married Filing Jointly) | 5000 | |
Commuter Benefits - Parking and Transit IRS limits
2025 |
||
|---|---|---|
| Maximum Contribution (Per Month / Per Each Benefit) | 325 | |
IRS-qualified medical expenses
You can pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren't typically covered by health insurance plans. This includes deductibles, co-insurance, prescriptions, dental and vision care, and more. For a complete list of IRS-qualified medical expenses visit IRS.gov or view a list of qualifying examples.
Additional resources
HSA tax time 101
HSA Tax Time 101 is a resource that provides answers to some of the most frequently asked Health Savings Account (HSA) tax questions.
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Frequently Asked Questions
We are here with answers to some of your most frequently asked questions.
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