What are HSA Catch-Up Contributions?

If you're 55 or older and not yet on Medicare, you can contribute an additional $1,000 per year to your HSA as a catch-up contribution. The catch-up contribution is in addition to the annual maximum contribution which is $4,300 for self only enrollment and $8,550 for self plus one and self family enrollment in 2025. If there are two persons aged 55 or older, however, both catch-up contributions cannot be made into the same HSA account. A second HSA account is needed for the additional $1,000 catch-up contribution.