Take a few minutes to learn more about your Health Savings Account (HSA) below.
Contributions to your HSA come from two sources - you and your employer. All the money in your account is yours to spend on qualified health care expenses or save for future expenses. The table below shows the maximum amounts that can be contributed to your HSA. Anyone age 55 and older can contribute an additional $1,000 annually.
Remember, you may not use HSA funds to reimburse expenses incurred prior to your HSA being opened, or expenses incurred prior to being enrolled in a High Deductible Health Plan (HDHP).
Employees who are currently enrolled in Medicare are not eligible to contribute towards their HSA.
Contributing To and Using HSA Funds
Coverage Level
2025 Total IRS Contribution Limits
Kodiak 2025 Contribution
EE's 2025 Annual Max Contribution
HSA Catch Up 55 Older IRS Contribution Limits
HSA Catch Up 55 Older EE's Max Contribution in 2025
EE only
$4,300
$1,500
$2,800
$5,300
$3,800
EE + Spouse
$8,550
$3,500
$5,050
$9,550
$6,050
EE + Children
$8,550
$3,500
$5,050
$9,550
$6,050
EE + Family
$8,550
$4,000
$4,550
$9,550
$5,550
Click on a question below to learn more about your HSA!
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