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Level 2
February 4, 2026
Solved

hsa contribution limit for one parent and two children?

  • February 4, 2026
  • 2 replies
  • 87 views

HI, 

   I have hsa eligible health insurance plan, conver me and my two children, 12 and 14. I thoght my limit is 8550 for 2025. However, my  hsa custodian says my limit is 4300. is it right? I just notice when I log into my hsa account. 

worse worst scenario, if I excess my limit, what step should I take to correct? My hsa is through my work.

thanks so much, appreciate any input

 

    Best answer by MinhT1

    If your health coverage includes your 2 dependents, it qualifies as a family coverage. The 2025 contribution limit for a family coverage HSA is $8,550 (plus a catch-up of $1,000 if you are 55 or older). $4,300 is the limit for a self-only coverage.

     

    Please read these IRS instructions (page 4).

    2 replies

    MinhT1Answer
    Level 15
    February 4, 2026

    If your health coverage includes your 2 dependents, it qualifies as a family coverage. The 2025 contribution limit for a family coverage HSA is $8,550 (plus a catch-up of $1,000 if you are 55 or older). $4,300 is the limit for a self-only coverage.

     

    Please read these IRS instructions (page 4).

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    wyan2008Author
    Level 2
    February 4, 2026

    thank you so much. really appreciate