--- title: 2025 Limits Announced for HSAs, High Deductible Health Plans, and Excepted Benefit HRAs description: Stay updated on the 2025 limits for HSAs, HDHPs, and EBHRAs, including contribution limits and out-of-pocket expenses. Get all the details in this blog post. image: https://1652561.fs1.hubspotusercontent-na1.net/hubfs/1652561/2025%20Limits%20%281%29.jpeg --- [![Novaura](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=250&height=39&name=01819-Novaura-Logo-NoTag-CC.png "Novaura")](https://novaurains.com) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) [![](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=200&height=31&name=01819-Novaura-Logo-NoTag-CC.png)](https://novaurains.com) [![01819-Novaura-Logo-NoTag-CC](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=300&height=47&name=01819-Novaura-Logo-NoTag-CC.png "01819-Novaura-Logo-NoTag-CC")](https://novaurains.com) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) [![](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=200&height=31&name=01819-Novaura-Logo-NoTag-CC.png)](https://novaurains.com) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) # 2025 Limits Announced for HSAs, High Deductible Health Plans, and Excepted Benefit HRAs 1 Minute Read *[![MZQ Logo](https://1652561.fs1.hubspotusercontent-na1.net/hub/1652561/hubfs/MZQ_logo_2019_FINAL-01%20copy%202.jpg?width=254&height=130&name=MZQ_logo_2019_FINAL-01%20copy%202.jpg)](https://www.mzqconsulting.com/)Prefer to listen instead of read? No problem! [Listen to the blog post at any time by clicking here.](https://1652561.fs1.hubspotusercontent-na1.net/hubfs/1652561/2025%20Limits%20Blog%20Narration-1.mp3)* ---   Late last week, the Internal Revenue Service released [updates](https://www.irs.gov/pub/irs-drop/rp-24-25.pdf) to the maximum annual 2025 contribution limits for health savings accounts (HSAs) under high deductible health plans (HDHPs). These inflation-adjusted limits, which have increased slightly from 2024, apply to both individual and family coverage. Of note, the annual limit for the additional catch-up HSA contribution eligible individuals aged 55 and over are permitted to make remains unchanged. The updates also include deductible minimums and out-of-pocket (OOP) expense limits for HDHPs and an increase to the maximum amount that may be made newly available for excepted benefit health reimbursement arrangements (EBHRAs). The HSA, HDHP, and out-of-pocket thresholds apply for the 2025 calendar year, while the EBHRA maximum applies to the 2025 plan year. The 2025 limits are summarized below in comparison to the 2024 limits:   | **Annual HSA Contribution Limits** | | | | --- | --- | --- | |   | ***2025*** | ***2024*** | | *Self-only coverage* | $4,300 | $4,150 | | *Family coverage* | $8,550 | $8,300 | | *Additional catch-up contribution for eligible individuals* | $1,000 | $1,000 | | **Annual Minimum Deductibles for HDHPs** | | | |   | ***2025*** | ***2024*** | | *Self-only coverage* | $1,650 | $1,600 | | *Family coverage* | $3,300 | $3,200 | | **Annual Maximum Out-of-Pocket Expense Limits for HDHPs** | | | |   | ***2025*** | ***2024*** | | *Self-only coverage OOP expenses may not exceed* | $8,300 | $8,050 | | *Family coverage OOP expenses may not exceed* | $16,600 | $16,100 | | **Plan Year Excepted Benefit HRA Maximum** | | | |   | ***2025*** | ***2024*** | | *Maximum amount for a plan year may not exceed* | $2,150 | $2,100 | *© 2024 MZQ Consulting, LLC. All rights reserved.* *Content provided to [Q4intelligence](https://www.q4intel.com/?__hstc=45788219.3dde91324506f9914e56d491b0487f17.1716398585829.1716398585829.1716398585829.1&__hssc=45788219.1.1716398585829&__hsfp=3744600849) members by MZQ Consulting, LLC* Photo by [luljoz](https://www.123rf.com/profile_luljoz)   [Next post](https://novaurains.com/blog/innovation-vs-tradition-striking-the-right-balance-in-the-age-of-change) [All posts](https://novaurains.com/blog) [Previous post](https://novaurains.com/blog/federal-trade-commission-weighs-in-on-non-competes) ## Recommended For You [![](https://1652561.fs1.hubspotusercontent-na1.net/hubfs/1652561/2026%20Limits%20Announced%20Adobe%20Stock.jpeg)](https://novaurains.com/blog/2026-limits-announced-for-hsas-hdhps-and-excepted-benefit-hras) 1 Min Read #### [2026 Limits Announced for HSAs, HDHPs, and Excepted Benefit HRAs ](https://novaurains.com/blog/2026-limits-announced-for-hsas-hdhps-and-excepted-benefit-hras) [![](https://q4intel.com/hubfs/2027%20HDHP%20%26%20HSA%20%26%20Excepted%20Benefit%20HRA%20Thresholds.jpg)](https://novaurains.com/blog/employers/2027-hdhp/hsa-excepted-benefit-hra-thresholds) 1 Min Read #### [2027 HDHP/HSA & Excepted Benefit HRA Thresholds](https://novaurains.com/blog/employers/2027-hdhp/hsa-excepted-benefit-hra-thresholds) [![](https://1652561.fs1.hubspotusercontent-na1.net/hubfs/1652561/2024%20Limits%20Announced%20for%20HSAs%2c%20High%20Deductible%20Health%20Plans%2c%20and%20Excepted%20Benefit%20HRAs.jpg)](https://novaurains.com/blog/2024-limits-announced-for-hsas-high-deductible-health-plans-and-excepted-benefit-hras) 1 Min Read #### [2024 Limits Announced for HSAs, High Deductible Health Plans, and Excepted Benefit HRAs](https://novaurains.com/blog/2024-limits-announced-for-hsas-high-deductible-health-plans-and-excepted-benefit-hras) ![](https://novaurains.com/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-WH.png) Novaura builds stronger businesses by giving you solutions that go above and beyond the usual numbers and quotes. 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