HSA contribution limits

You can make contributions by payroll deductions (if available through your employer) or you can make direct contributions to your account.

The contribution rates are set each year by the IRS, are subject to change every year, and are adjusted for inflation. Contributions from all sources – including employer and personal contributions – are applied when determining your annual maximum contribution limits. The current limits are listed in the table below:

Contribution limits	2018	2019
Individual coverage	$3,450	$3,500
Family coverage	$6,900	$7,000
Age 55+ catch-up contribution	Additional $1,000	Additional $1,000

You are eligible to contribute to your HSA as long as you meet the definition of an eligible individual.