2021 HSA Contribution Limits & HDHP Requirements


In Revenue Procedure 2020-32, the IRS released the 2021 inflation-adjusted figures for contributions to HSAs.


Most items are set to increase — items that did not change from 2020 to 2021 will be marked with an asterisk (*).


Individual/Self-coverage:
  • HSA contribution limit for 2021: $3,600 (up from $3,550)

  • HDHP minimum deductible: $1,400*

  • HDHP maximum out of pocket: $7,000 (up from $6,900)

Family Coverage:
  • HSA contribution limit for 2021: $7,200 (up from $7,100)

  • HDHP Minimum deductible: $2,800*

  • HDHP Maximum out-of-pocket: $14,000 (up from $13,800)

Because of COVID-19, the IRS extended the tax filing deadline to July 15, 2020. HSA members with individual coverage can contribute up to $3,500, those with family coverage can contribute up to $7,000 and those 55 and older can contribute an extra $1,000.