HSA Family Contribution Limit Calculator
Find your 2024 family HSA contribution limit, including the age-55 catch-up and a proration for partial-year HDHP coverage.
How it works
Limit = $8,300 × (months ÷ 12) + $1,000 age-55 catch-up · A spouse who is 55+ must use their own HSA for a second $1,000 catch-up
The 2024 HSA family limit is $8,300, and anyone 55 or older adds a $1,000 catch-up. The base limit is prorated by the months you held family high-deductible coverage, though the last-month rule lets you use the full limit if you are covered on December 1 (with a testing period). A key quirk: the spouse’s $1,000 catch-up cannot go into your HSA — each spouse must own the HSA that holds their own catch-up.
Worked example
You are 45 with family HDHP coverage all year, so your limit is the full $8,300 (no catch-up). If instead you were 57, you could add $1,000 for $9,300; and if your spouse were also 57, they could open their own HSA and contribute another $1,000, bringing the household to $10,300.
Frequently asked questions
What is the 2024 family HSA limit?
The base family contribution limit is $8,300 for 2024, plus a $1,000 catch-up for each spouse who is 55 or older. Employer contributions count toward the limit.
Why can’t both catch-ups go in one HSA?
The catch-up is tied to the account owner. A married couple can each add $1,000 only if each has their own HSA — you cannot stack both $1,000 catch-ups into a single spouse’s account.
How does partial-year coverage work?
Normally the limit is prorated by the number of months you had HDHP coverage. The last-month rule lets you contribute the full annual amount if you are HSA-eligible on December 1, provided you stay eligible through the following year’s testing period.
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Educational estimate using 2024 U.S. federal figures — ignores state tax, credits, phase-outs and your full situation. Not tax advice; confirm with a professional or the IRS.