2018 Family HSA Contribution Limit Adjusted Back to $6,900

Here’s a little history:

  • May 4, 2017 – The Internal Revenue Service (IRS) publishes Rev. Proc. 2017-37 which includes Health Savings Account (HSA) contribution limits for 2018. The family contribution limit is set at $6,900.
  • December 22, 2017 – The Tax Cuts and Jobs Act is signed into law. The law changes the inflationary measure used to adjust annual contribution limits to various benefit programs, including HSAs. Contributions limits will now be tied to the Chained CPI starting in 2018. The Chained CPI is a little bit lower than the more traditional CPI.
  • March 5, 2018 – The IRS releases Bulletin No. 2018-10 which contains Rev. Proc. 2018-18. This indicates the family contribution limit for HSAs is being retroactively changed. The family contribution limit for 2018 is reduced by $50 and is now set at $6,850. This was a direct result of tying adjustments to contribution limits to the Chained CPI.
  • April 26, 2018 – The IRS releases Rev. Proc. 2018-27. This indicates the family contribution limit will be increased back to $6,900 for 2018. This was attributed to comments and concerns the IRS received about the unanticipated administrative and financial burdens the $50 reduction could create for employers and individuals.


After all of this, we are right back to the original family contribution limit of $6,900 for this year. Through all of this, the individual contribution limit was unaffected. That limit remains unchanged at $3,450. Additionally, the catch-up contribution for those age 55 and older remains at $1,000.

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