2025 HDHP deductible and out-of-pocket limits
Minimum deductible and maximum out-of-pocket amounts for HSA-compatible high deductible health plans.
Primary reference value
$1,650| Parameter | Amount |
|---|---|
| HDHP minimum deductible, self-only | $1,650 |
| HDHP minimum deductible, family | $3,300 |
| HDHP maximum out of pocket, self-only | $8,300 |
| HDHP maximum out of pocket, family | $16,600 |
- Announced
- Not recorded; see primary document
- Effective
- 2025-01-01 to 2025-12-31
- Next usual release
- May
Who this applies to.
Meeting the dollar thresholds alone does not establish HSA eligibility; other coverage and statutory exceptions also matter.
Published by IRS. The table uses tax year dates. Check the source for eligibility, elections and exceptions.
Use the 2025 number.
A numerical comparison does not establish eligibility, deductions, credit entitlement or tax liability. Read the selected number’s rules.
HDHP deductible and out-of-pocket limits history.
| Year | Reference value | Change | Status |
|---|---|---|---|
| 2021 | $1,400 | — | Official |
| 2022 | $1,400 | +$0 | Official |
| 2023 | $1,500 | +$100 | Official |
| 2024 | $1,600 | +$100 | Official |
| 2025 | $1,650 | +$50 | Official |
| 2026 | $1,700 | +$50 | Official |
| 2027 | $1,750 | +$50 | Official |
History compares the primary reference value; use each year’s full table for other filing statuses, regions or limits.
Questions about hdhp deductible and out-of-pocket limits.
What is the 2025 hdhp deductible and out-of-pocket limits?
The sourced table above shows the 2025 values. Its status is official. The primary reference is $1,650; other statuses or categories may differ.
When will the next number be announced?
The usual publication window is May. This is a typical schedule, not a promised date. The calendar distinguishes published values from pending releases.
Is this official or projected?
The displayed 2025 record is official. Official means a primary agency document or statute supports the value. A projection states its formula, inflation data and assumptions and changes when an official source becomes available.
How does it compare with last year?
The primary reference changed from $1,600 in 2024 to $1,650 in 2025. Each table should be compared using the same filing status, region and effective period.
Can I use the calculator without an account?
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