How Much Can I Contribute to HSA in 2022?

When it comes to planning for your healthcare expenses, a Health Savings Account (HSA) can be a valuable tool. But you may be wondering, 'How much can I contribute to my HSA in 2022?'

For 2022, the annual contribution limits for HSAs are set by the IRS and are subject to change based on inflation. Here's what you need to know:

  • Individual Coverage: For those with self-only HDHP (High Deductible Health Plan) coverage, you can contribute up to $3,650 in 2022.
  • Family Coverage: If you have family HDHP coverage, the maximum contribution limit for 2022 is $7,300.
  • Catch-Up Contributions: Individuals aged 55 and older can make an additional catch-up contribution of $1,000 per year.

It's important to note that these contribution limits apply to both your own contributions as well as any contributions made by your employer. The total contributions to your HSA should not exceed these limits to avoid potential tax implications.

Having a clear understanding of how much you can contribute to your HSA in 2022 can help you maximize the benefits of this tax-advantaged account for your healthcare needs.


Planning for your healthcare costs is crucial, and knowing how much you can contribute to your Health Savings Account (HSA) in 2022 can help pave the way for a more secure future. For this year, the IRS has set the contribution limits, which are essential to consider when budgeting for your health expenses.

If you’re an individual with self-only HDHP (High Deductible Health Plan) coverage, you can contribute a maximum of $3,650 to your HSA in 2022. On the flip side, those of you who are covering a family under a family HDHP plan can contribute as much as $7,300.

Additionally, if you are 55 or older, you’re allowed to make a catch-up contribution of $1,000, providing an extra opportunity to enhance your savings. Remember, these limits encompass both your contributions and those made by your employer, which means planning wisely is essential to avoid any tax implications.

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