HSA & HDHP Limits
Explore how inflation affects Health Savings Account (HSA) and High Deductible Health Plan (HDHP) limits over time. View historical data and model future limits using different inflation scenarios.
Used for forward-looking projections (HSA contributions, HDHP deductibles, and OOP limits).
HSA Contribution Limits
These figures represent the maximum amount that can be contributed to a Health Savings Account (HSA) in a given year. The limits started at $2,600 (self-only) / $5,150 (family) in 2004 and have been raised over the years as inflation adjustments kicked in.
| Year | Self‑Only Limit | Family Limit | Type |
|---|---|---|---|
| 2004 | $2,600 | $5,150 | Actual |
| 2005 | $2,650 | $5,250 | Actual |
| 2006 | $2,700 | $5,450 | Actual |
| 2007 | $2,850 | $5,650 | Actual |
| 2008 | $2,900 | $5,800 | Actual |
| 2009 | $3,000 | $5,950 | Actual |
| 2010 | $3,050 | $6,150 | Actual |
| 2011 | $3,050 | $6,150 | Actual |
| 2012 | $3,100 | $6,250 | Actual |
| 2013 | $3,250 | $6,450 | Actual |
| 2014 | $3,300 | $6,550 | Actual |
| 2015 | $3,350 | $6,650 | Actual |
| 2016 | $3,350 | $6,750 | Actual |
| 2017 | $3,400 | $6,750 | Actual |
| 2018 | $3,450 | $6,900 | Actual |
| 2019 | $3,500 | $7,000 | Actual |
| 2020 | $3,550 | $7,100 | Actual |
| 2021 | $3,600 | $7,200 | Actual |
| 2022 | $3,650 | $7,300 | Actual |
| 2023 | $3,850 | $7,750 | Actual |
| 2024 | $4,150 | $8,300 | Actual |
| 2025 | $4,300 | $8,550 | Actual |
| 2026 | $4,400 | $8,750 | Actual |
| 2027 | $4,500 | $9,000 | Actual |
| 2028 | $4,600 | $9,200 | Projection |
| 2029 | $4,700 | $9,400 | Projection |
| 2030 | $4,800 | $9,600 | Projection |
| 2031 | $4,900 | $9,800 | Projection |
| 2032 | $5,000 | $10,000 | Projection |
HDHP Minimum Deductible
High Deductible Health Plans must have an annual deductible at or above the amounts listed. These minimums started at $1,000 (self-only) / $2,000 (family) in 2004 and have been raised over the years as inflation adjustments kicked in.
| Year | Self‑Only | Family | Type |
|---|---|---|---|
| 2004 | $1,000 | $2,000 | Actual |
| 2005 | $1,000 | $2,000 | Actual |
| 2006 | $1,050 | $2,100 | Actual |
| 2007 | $1,100 | $2,200 | Actual |
| 2008 | $1,100 | $2,200 | Actual |
| 2009 | $1,150 | $2,300 | Actual |
| 2010 | $1,200 | $2,400 | Actual |
| 2011 | $1,200 | $2,400 | Actual |
| 2012 | $1,200 | $2,400 | Actual |
| 2013 | $1,250 | $2,500 | Actual |
| 2014 | $1,250 | $2,500 | Actual |
| 2015 | $1,300 | $2,600 | Actual |
| 2016 | $1,300 | $2,600 | Actual |
| 2017 | $1,300 | $2,600 | Actual |
| 2018 | $1,350 | $2,700 | Actual |
| 2019 | $1,350 | $2,700 | Actual |
| 2020 | $1,400 | $2,800 | Actual |
| 2021 | $1,400 | $2,800 | Actual |
| 2022 | $1,400 | $2,800 | Actual |
| 2023 | $1,500 | $3,000 | Actual |
| 2024 | $1,600 | $3,200 | Actual |
| 2025 | $1,650 | $3,300 | Actual |
| 2026 | $1,700 | $3,400 | Actual |
| 2027 | $1,750 | $3,500 | Actual |
| 2028 | $1,800 | $3,600 | Projection |
| 2029 | $1,850 | $3,700 | Projection |
| 2030 | $1,900 | $3,800 | Projection |
| 2031 | $1,950 | $3,900 | Projection |
| 2032 | $2,000 | $4,000 | Projection |
HDHP Maximum Out-of-Pocket
These figures represent the cap on total patient cost-sharing for in-network covered expenses (deductibles, co-pays, and coinsurance, but excluding premiums) in a qualified HDHP. The plan's OOP maximum must not exceed these amounts. The initial caps were $5,000 (self-only) / $10,000 (family) in 2004, and have increased over time with inflation.
| Year | Self‑Only | Family | Type |
|---|---|---|---|
| 2004 | $5,000 | $10,000 | Actual |
| 2005 | $5,100 | $10,200 | Actual |
| 2006 | $5,250 | $10,500 | Actual |
| 2007 | $5,500 | $11,000 | Actual |
| 2008 | $5,600 | $11,200 | Actual |
| 2009 | $5,800 | $11,600 | Actual |
| 2010 | $5,950 | $11,900 | Actual |
| 2011 | $5,950 | $11,900 | Actual |
| 2012 | $6,050 | $12,100 | Actual |
| 2013 | $6,250 | $12,500 | Actual |
| 2014 | $6,350 | $12,700 | Actual |
| 2015 | $6,450 | $12,900 | Actual |
| 2016 | $6,550 | $13,100 | Actual |
| 2017 | $6,550 | $13,100 | Actual |
| 2018 | $6,650 | $13,300 | Actual |
| 2019 | $6,750 | $13,500 | Actual |
| 2020 | $6,900 | $13,800 | Actual |
| 2021 | $7,000 | $14,000 | Actual |
| 2022 | $7,050 | $14,100 | Actual |
| 2023 | $7,500 | $15,000 | Actual |
| 2024 | $8,050 | $16,100 | Actual |
| 2025 | $8,300 | $16,600 | Actual |
| 2026 | $8,500 | $17,000 | Actual |
| 2027 | $8,700 | $17,400 | Actual |
| 2028 | $8,900 | $17,750 | Projection |
| 2029 | $9,100 | $18,100 | Projection |
| 2030 | $9,300 | $18,500 | Projection |
| 2031 | $9,500 | $18,900 | Projection |
| 2032 | $9,700 | $19,300 | Projection |
Methodology
These projections use an annual compounded inflation rate applied to the last confirmed IRS values (2027) for HSA contributions, HDHP minimum deductibles, and maximum out-of-pocket limits. Each new year's value is rounded to the nearest $50 in accordance with IRS rules for HSA-eligible plans. The default rate is 2.1%.
Historical data reflect official IRS releases (Revenue Procedures) and show how the limits have changed due to inflation since 2004. You may adjust the inflation rate above to see how future estimates change. Actual figures will vary based on real CPI-U data and potential legislative changes.
These estimates are for illustration only and should not be relied upon for tax or financial planning decisions.