HSA eligibility
To contribute to an HSA, you must be enrolled in an HSA-eligible health plan. For 2023, this means:
- It has an annual deductible of at least $1,500 for self-only coverage and $3,000 for family coverage
- Its out-of-pocket maximum does not exceed $7,500 for self-only coverage and $15,000 for family coverage
And to contribute to an HSA you must:
- Not be enrolled in a health plan that is not an HSA-eligible plan, such as a full purpose health care flexible spending account (FSA)
- Not be enrolled in Medicare
- Not claimed as a dependent on someone else's tax return
