2022 HSA contribution limits

Written by: Gabrielle Smith
November 8, 2021 at 10:06 AM

A health savings account (HSA) is a tax-advantaged savings account a family or individual can use to pay for qualified medical expenses. HSAs are paired with a high-deductible health plan (HDHP) and have annual contribution limits. Each year, the IRS HSA rules adjust the guidelines regarding HDHPs and HSA contribution limits.

In this post, we’ll cover the new HSA contribution limits and HDHP guidelines that were released by the IRS for 2022.

Learn the difference between HSAs, HRAs, and FSAs in our guide

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What are the HSA contribution limits for 2022?

The IRS released the 2022 HSA guidelines through Revenue Procedure 2021-25 on May 10, 2021.

The following are the 2022 HSA contribution limits:




HSA contribution limit

(company + employee)



HSA catch up contributions

(age 55+)



Contribution limits are set based on the calendar year, meaning allowable contributions are prorated by the number of months an individual is eligible to contribute to an HSA. If you are age 55+ by the end of the year, you can contribute an additional $1,000 to your HSA. If you are married, and both of you are age 55+, each of you can contribute an additional $1,000.

For example, individuals with self-only coverage who are HSA-eligible for seven months during the 2022 tax year can only contribute up to $2,129 ($3,650 ÷ 12 × 7). HSA catch up contributions are also prorated, so those aged 55 and over can only contribute an additional $583, using the same example above.

Individuals who are eligible to contribute to an HSA can make contributions at any point during the 2022 tax year, including up through their federal tax return due date (April 15, 2023). Another upside is that employer matching contributions do not count toward your maximum contribution limit.

What are the HDHP guidelines for 2022?

To be eligible to contribute to an HSA, individuals must have coverage under an HSA-eligible HDHP. The guidelines for HDHP qualification are adjusted each year according to deductible and maximum out-of-pocket limits.

The IRS requires health insurance coverage to reflect the following amounts to qualify as an HDHP in 2022:




HDHP minimum deductible



HDHP maximum out-of-pocket amount



It’s important to note that not every HDHP is HSA-eligible. Besides meeting the deductible and out-of-pocket requirements, an eligible policy can’t offer any benefit beyond preventive care before meeting the annual deductible.

How do the new limits and guidelines compare with 2021 limits?

2022 HSA limits went up $50 for individuals with self-only coverage and by $100 for individuals with family coverage, compared with 2021 limits. This is in line with the previous year’s increase of the same amount for self-only and family coverage.

Minimum deductibles on HDHPs remained the same from 2021’s limits, while maximum out-of-pocket amounts increased by $50 for individuals with self-only coverage and by $100 for those with family coverage.

Here’s a chart to compare HSA contributions limits for 2021 and 2021:





HSA contribution limit (company + employee)

Self-only: $3,600

Family: $7,200

Self-only: $3,650

Family: $7,300

Self-only: +$50

Family: +$100

HSA catch up contributions(age 55+)



No change

HDHP minimum deductible

Self-only: $1,400

Family: $2,800

Self-only: $1,400

Family: $2,800

No change

HDHP maximum out-of-pocket amount

Self-only: $7,000

Family: $14,000

Self-only: $7,050

Family: $14,100

Self-only: +$50

Family: +$100

Can I combine an HSA with other health benefits?

HSAs are an increasingly popular savings tool, and small employer contributions toward their employees’ HSAs can be a valuable health benefit.

However, HSAs are even more valuable when combined with a health reimbursement arrangement (HRA). With an HRA, small employers choose an allowance of tax-free money for employees to get reimbursed for qualifying medical expenses.

Learn how you can offer an HSA and an HRA together in our guide


Understanding HSA contribution rules is essential to making the most of the benefit, allowing both you and your employees to maximize contributions. An investment in your employees’ health benefits is the best way to show them you care about their health and wellbeing, while also helping you recruit and retain top talent.

This article was originally published on May 19, 2021. It was last updated November 8, 2021.

Topics: Health Savings Accounts, HSA, Health Reimbursement Arrangement

Additional Resources

Did you know you can use an HRA and HSA together? See how in our guide.
Group health insurance or HSAs? Compare them with our chart.