2023 HDHP & HSA Limits

Late last week, the IRS released updates to the maximum annual 2023 contribution limits for HSAs under high-deductible health plans (HDHPs). These adjustments, which have increased slightly from 2022, apply to both individual and family coverage. The updates also include deductible minimums and out-of-pocket expense limits for HDHPs and an increase to the maximum amount that may be made newly available for excepted-benefit Health Reimbursement Arrangements. The 2023 limits are summarized below.

Annual HSA Contribution Limits

  • Individual with self-only coverage is $3,850
  • Individual with family coverage is $7,750

Annual Minimum Deductibles for HDHPs

  • Self-only coverage $1,500 or more
  • Family coverage $3,000 or more

Annual Maximum out-of-Pocket Expense Limits for HDHPs

  • Self-only coverage may not exceed $7,500
  • Family coverage may not exceed $15,000

Plan Year Excepted-Benefit HRA Maximum

  • Maximum amount for a plan year may not exceed $1,950.


LEARN MORE: IRS Releases 2023 HSA, HDHP Limits


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