HSA amounts announced for 2022

HSA amounts announced for 2022
June 15, 2021 Lisa Winter

The IRS has announced the 2022 Health Savings Account (HSA) contribution limits and the minimum deductible required for a plan to be considered a Qualified High-Deductible Health Plan (QHDHP). As a reminder, in order for an individual to participate in an HSA, they must be enrolled in a QHDHP plan. The IRS has also released the maximum out-of-pocket (OOP) amounts for those QHDHPs that are non-grandfathered.

To whom do these new amounts apply? 

These amounts will apply to all group health plans and insurers offering a QHDHP and to any participants who elect to participate in an HSA in 2022. The OOP limit applies to non-grandfathered QHDHPs.

What are the new amounts for 2022?

The below amounts apply to plan years beginning on or after January 1, 2022:

2021 2022
Single Family Single Family
Contribution limits* $3,600 $7,200 $3,650 increase of $50) $7,300 (increase of $100)
Minimum deductibles $1,400 $2,800 $1,400 (no change) $2,800 (no change)
Maximum out-of-pocket** $7,000 $14,000 $7,050 (increase of $50) $14,100 (increase of $100)


*Eligible individuals age 55 and over may increase their maximum contribution by $1,000 at the end of the tax year. ​ ​ ​ ​ ​ ​

**Please note the non-HDHP maximum OOP amounts for non-grandfathered plans are set at $8,700/$17,400 for 2022.