irs.gov.

For illustration purposes only.

*This example refers to a family with one parent who is over 55. Married couples who are both over age 55 may each make a $1,000 annual catch-up contribution, but they would have to make catch-up contributions to separate HSAs since a joint HSA is not allowed, for an annual maximum of $10,550 in 2025 across the two HSAs. Both spouses must be eligible to contribute to an HSA.