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

Provided by: Intuit Quickbooks


On May 9, 2024, the IRS released Rev. Proc. 2024-25, announcing the 2025 health savings accounts (HSAs) and high deductible health plans (HDHPs) inflation-adjusted amounts:

  • Annual HSA contribution limits:

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

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

  • Annual catch-up contribution maximum remains unchanged at $1,000 for HSA-eligible individuals age 55 or older

  • 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 nonpremium 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 or not.

These amounts differ from the Affordable Care Act (ACA) maximum out-of-pocket limits for plan years beginning in 2025 (proposed by the Department of Health and Human Services in November 2024) 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.

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