Your Guide to Health Savings Accounts

Your maximum annual HSA contribution is based on the statutory limit for your type of coverage. If you have self-only HDHP coverage, your contribution is $2,850. If you have family HDHP, your contribution is $5,650. These are the maximum amounts allowed regardless of what your HDHP deductible is. These amounts will be increased for inflation in future years.

Some individuals can also make additional “catch-up” contributions (see below). Individuals 55 and older who are covered by an HDHP can make additional catch-up contributions each year until they enroll in Medicare. The additional “catch-up” contributions to HSA allowed are as follows:
2008 - $900
2009 and after - $1,000

Your contributions don’t have to be made in equal amounts each month. You can contribute in a lump sum or in any amounts or frequency you wish. However, your account trustee/custodian (bank, credit union, insurer, etc.) can impose minimum deposit and balance requirements.

Contributions to HSAs can be made by you, your employer, or both.

Learn More:
HDHPs and HSA Administrators
How Funds Are Used
Contribution Amounts
Tax Benefits
Qualified Medical Expenses
FAQs
Calculate Your Savings