IRS announces 2022 HSA contribution limits

The IRS has announced 2022 health savings account (HSA) contribution limits as part of the release of Revenue Procedure 2021-25.

2022 HSA contribution limits:

Self-only contribution limit$3,600$3,650
Family contribution limit$7,200$7,300

The contribution limits for HSAs in 2022 will increase to $3,650 for single and $7,300 for family.

2022 HDHP amounts/limits

2022 high-deductible health plan (HDHP) amounts and expense limits were also announced.

HDHP (self-only coverage)20212022
Annual deductible not less than:$1,400$1,400
Annual out-of-pocket expenses don’t exceed:$7,000$7,050
HDHP (family coverage)20212022
Annual deductible not less than:$2,800$2,800
Annual out-of-pocket expenses don’t exceed:$14,000$14,100

The above limits means that an HDHP in 2022 is a health plan “with an annual deductible that is not less than $1,400 for self-only coverage or $2,800 for family coverage, and the annual out-of-pocket expenses do not exceed $7,050 for self-only coverage or $14,100 for family coverage,” according to the IRS notice.

Your employees must be enrolled in an HDHP in order to be eligible to participate in an HSA. HDHPs are often referred to as HSA-eligible health plans.

Interested in learning more about Checkwriters HSA administration services? Email us at

Disclaimer: The information contained herein is not intended to be construed as legal advice, nor should it be relied on as such. Employers should closely monitor the rules and regulations specific to their jurisdiction(s) and should seek advice from counsel relative to their rights and responsibilities.

By Megan Butz
General Counsel, HR Compliance, Checkwriters
Megan joined Checkwriters in 2020 and is responsible for reviewing, revising, and implementing internal policies of the company, advising on human resource, employment, and labor matters, and monitoring and publishing state and federal legal updates to the Checkwriters News and Compliance Center for distribution to thousands of clients around the country. Before joining Checkwriters, Megan served as a judicial law clerk for the justices of the Massachusetts Probate and Family Court performing legal research and writing, followed by private practice in Cape Cod.

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