11/02/2017

For 2022, you can contribute the following amounts:

• $3,650 if you have self-only coverage
• $7,300 if you have family coverage
• For those 55 and older, an additional $1000 “catch-up” contribution is allowed.

For 2023, you can contribute the following amounts:

• $3,850 if you have self-only coverage
• $7,750 if you have family coverage
• For those 55 and older, an additional $1000 “catch-up” contribution is allowed.

If you join an HDHP mid-year, there are special rules about how much you can contribute. To avoid possible complications, we recommend pro-rating your HSA contribution to not exceed the following monthly amounts:

For 2022

• $304.16 (1/12 of $3,650) if you have self-only coverage
• $608.33 (1/12 of $7,300) if you have family coverage

So if you join an HDHP on October 1st, your HSA contributions should not exceed:

• $912.48 if you have self-only coverage
• $1,824.99 if you have family coverage

For 2023

• $320.83 (1/12 of $3,850) if you have self-only coverage
• $645.83 (1/12 of $7,750) if you have family coverage

So if you join an HDHP on October 1st, your HSA contributions should not exceed:

• $962.49 if you have self-only coverage
• $1,937.49 if you have family coverage

You are allowed to contribute more than the pro-rated amounts, but there can be negative tax consequences if your HSA eligibility changes.