2025 Inflation Adjusted Amounts for HSAs and HDHPs Released + ACA Out-of-Pocket Limits

On May 13th, 2023, the IRS released the 2025 Health Savings Accounts (HSA) and high deductible health plans (HDHPs) inflation-adjusted amounts.

Annual HSA contribution limitation:

  • Self-coverage only: $4,300 ($150 increase from 2024)

  • Family coverage: $8,550 ($250 increase from 2024)

Annual catch-up contribution maximum

  • $1,000 for HSA-eligible individuals age 55 or older (unchanged from 2024)

Minimum annual HDHP deductible

  • Self-coverage only: $1,650 ($50 increase from 2024)

  • Family coverage: $3,300 ($100 increase from 2024)

Maximum annual HDHP out-of-pocket expenses (deductibles, copayments, and other non-premium amounts)

  • Self-coverage only: $8,300 ($250 increase from 2024)

  • Family coverage: $16,600 ($500 increase from 2024)

This applies to all HDHPs regardless of whether they’re for essential health benefits.

These amounts are different from the Affordable Care Act (ACA) maximum out-of-pocket limits for 2025 (released by the Department of Health and Human Services in December 2021) for non-grandfathered health plans, which are:

  • Self-coverage only: $9,200 ($250 decrease from 2024)

  • Family coverage: $18,400 ($500 decrease from 2024)

Unlike the HDHP out-of-pocket maximums, the ACA out-of-pocket maximums apply to in-network essential health benefits.

Source: Mineral™, BenefitsPRO

Alyssa Johnson