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What is the maximum contribution I can make to my Health Savings Account (HSA)?

This calculator will estimate the maximum contribution you are eligible to make to your Health Savings Account (HSA).

You are eligible to contribute to an HSA if:
  • You are covered under a qualified High-Deductible Health Plan (HDHP)
  • You are not enrolled in Medicare and not covered under any other health plan1
  • You are not claimed as a dependent on someone else's tax return
Your spouse is also eligible if your spouse meets the above rules.

2009 HDHP requirements for an HSA are as follows:

Type of Coverage Minimum
Deductible		 Maximum
Out-of-pocket expenses		 Maximum
Contribution limit
Individual Plan $1,150 $5,800 $3,000
Family Plan $2,300 $11,600 $5,950

Individuals age 55 or over by the end of 2009 can contribute an additional $1,000 to their HSA for 2009.

After you've entered your personal information, click the "Calculate" button to determine your maximum Health Savings Account contribution.

Health Savings Account Calculator
Complete this section only if you meet the eligibility test discussed above.
What calendar year is this contribution for?   
Who does your High Deductible Health Plan (HDHP) cover?   
What is your date of birth?  /  /
If your spouse is covered under the HDHP, what is his/her date of birth?  /  /
What is your HDHP deductible? $
How many months was your HDHP in force this year2?

1You may be eligible even if you have some types of health coverage under another plan, since there are numerous exceptions that permit certain types of coverage by other plans. See your tax advisor for further information.
2Eligibility is determined on the first day of each month.

The calculations provided are for illustration purposes only and are not intended to represent the actual amount you can contribute to your HSA annually. Future loss of insurance may affect maximum contribution amounts you are eligible to make. The calculation is not intended to provide specific advice to any individual. Please consult a tax advisor before deciding whether to contribute to an HSA.