HSA Catch-Up Contribution for Age 55+ (Individual Coverage)
If you're 55 or older with individual HSA coverage in 2025, your limit increases by $1,000 to $5,300 total.
How to use this tool
- Enter the IRS annual limit for your HDHP coverage (self-only or family) for this year.
- Indicate whether you are 55 or older to add the $1,000 catch-up.
- Enter your employer's contribution and what you have contributed so far.
- Read your remaining room — that is the most you can still add this year.
Find out how much you can contribute to your HSA with the age-55 catch-up provision under individual coverage.
Frequently asked questions
- Do employer contributions count toward my HSA limit?
- Yes. The IRS limit is a combined cap, so anything your employer deposits reduces what you can add yourself. This calculator subtracts both to show your real remaining room.
- How much extra can I contribute if I'm 55 or older?
- An additional $1,000 per year as a catch-up contribution, on top of the standard limit. If both spouses are 55+, each needs their own HSA to claim the full catch-up.
- What happens if I over-contribute to my HSA?
- Excess contributions are generally subject to a 6% excise tax each year they remain in the account. Withdraw the excess (and any earnings on it) before your tax deadline to avoid the penalty.