The IRS has announced the inflation adjustments for 2025 High-Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs). These adjustments, which include maximum HSA contributions, minimum deductible amounts, and maximum out-of-pocket limits, are not just informative but also require attention. Employers and individuals should ensure strict compliance with these updated regulations for 2025.
Contributions to an HSA
For the calendar year 2025, the annual limit on contributions to an HSA under §223(b)(2)(A) for an individual with self-only coverage under an HDHP is $4,300. The annual limit on contributions to an HSA under §223(b)(2)(B) for an individual with family coverage under an HDHP is $8,550.
High Deductible Health Plans
An HDHP is defined under §223(c)(2)(A) as a health plan with an annual deductible of not less than $1,650 for self-only coverage or $3,300 for family coverage. The annual out-of-pocket expenses (i.e., deductibles, copayments, and other amounts, but not premiums) do not exceed $8,300 for self-only coverage or $16,600 for family coverage.
Click here to access the IRS update.
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