HSA
Contribution
Limits
| 2025 | 2026 | |
| Single | $4,300 | $4,400 |
| Family | $8,550 | $8,750 |
| Catch-Up (55+)* | $1,000 | $1,000 |
*Accountholders aged 55 and older can contribute up to an additional $1,000 each year.
Understanding Your Contributions
Each year, the IRS sets yearly contribution limits for HSA holders. Contributions can be made from the start of the year to the following year’s Tax Day.
Timeline for 2025 Contributions: January 1, 2025 – April 15, 2026
Timeline for 2026 Contributions: January 1, 2026 – April 15, 2027
Starting January 1, 2026, accountholders may begin contributing to their HSAs for the 2026 year. Contributions can still be made for 2025 up until April 15, 2025 (Tax Day). However, accountholders will need to notify Avidia Bank of Prior Year Contributions or they will be counted towards 2025. For steps on how to do so, please contact your administrator on the back of your HSA card.
Contribution Examples
2025
Scenario A
- Employer contributes $500
- Accountholder can contribute up to $3,800 for single accounts and $8,050 for family accounts. Those 55 and older can contribute an additional $1,000.
Scenario B
- Employer contributes $1000
- Accountholder can contribute up to $3,300 for single accounts and $7,550 for family accounts. Those 55 and older can contribute an additional $1,000.
2026
Scenario A
- Employer contributes $500
- Accountholder can contribute up to $3,900 for single accounts and $8,250 for family accounts. Those 55 and older can contribute an additional $1,000.
Scenario B
- Employer contributes $1000
- Accountholder can contribute up to $3,400 for single accounts and $7,750 for family accounts. Those 55 and older can contribute an additional $1,000.