topic hsa contribution limit for one parent and two children? in Deductions & credits

hsa contribution limit for one parent and two children?

wyan2008 — Wed, 04 Feb 2026 09:08:58 GMT

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

Re: hsa contribution limit for one parent and two children?

MinhT1 — Wed, 04 Feb 2026 12:27:54 GMT

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).

Re: hsa contribution limit for one parent and two children?

wyan2008 — Wed, 04 Feb 2026 15:41:06 GMT

thank you so much. really appreciate