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Date Published: February 18, 2022

Good news! 2022 Health Savings Account (HSA) contribution limits are going up, so you can save more and earn more tax-free*. The Internal Revenue Service (IRS) sets limits each year for maximum contributions to HSA’s.

For the calendar year 2022, HSA contribution limits will be $3,650 for Self-only and $7,300 for Family coverage, up from $3,600 and $7,200 respectively in 2021.

The IRS also sets the annual minimum deductible and maximum out-of-pocket expenses for High Deductible Health Plans (HDHP) which are paired with HSAs. For 2022, the minimum deductibles for HDHPs will remain the same as 2021, while the annual out-of-pocket maximums will increase slightly (Self-only: $7,050, Family: $14,100).

And if you age 55 or better, you can still make a catch-up contribution up to $1,000 over the annual contribution limit.

2022

HSA contribution limit
(employer + employee)
  • Self-only: $3,650
  • Family: $7,300
  • HSA catch-up contributions (age 55 or older): $1,000
HDHP minimum deductibles
  • Self-only: $1,400
  • Family: $2,800
HDHP maximum out-of-pocket amounts
(deductibles, co-payments, and other amounts, but not premiums)
  • Self-only: $7,050
  • Family: $14,100

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