How to Calculate HSA Contribution Limits
A Health Savings Account (HSA) is one of the most tax-advantaged accounts available: contributions are pre-tax, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. To contribute, you must be enrolled in a High-Deductible Health Plan (HDHP).
2024 Contribution Limits
| कव्हरेज प्रकार | योगदान मर्यादा |
|---|---|
| स्वत: फक्त HDHP | $4,150 |
| कुटुंब HDHP | $8,300 |
| वय ५५+ कॅच-अप | +$1,000 |
HDHP Requirements (2024)
To qualify, your health plan must have:
- Minimum deductible: $1,600 (self-only) or $3,200 (family)
- Maximum out-of-pocket: $8,050 (self-only) or $16,100 (family)
Pro-Rating for Partial Year Eligibility
If you gained or lost HDHP coverage mid-year, you must pro-rate your contribution limit. The "last-month rule" lets you contribute the full annual amount if you're eligible on December 1—but you must remain eligible through the following year (testing period), or you'll owe tax and a 10% penalty on the excess.
Example (pro-ration): You enrolled in self-only HDHP on May 1 (8 months of eligibility). यथानुपात मर्यादा: ($4,150 / 12) × 8 = $2,767
तिहेरी कर फायदा
- वजावट: योगदानामुळे करपात्र उत्पन्न कमी होते
- वाढ: HSA मधील गुंतवणूक करमुक्त होते
- पैसे काढणे: पात्र वैद्यकीय खर्चासाठी करमुक्त
वयाच्या 65 नंतर, गैर-वैद्यकीय पैसे काढण्यावर पारंपारिक IRA वितरणाप्रमाणे कर लावला जातो (कोणताही दंड नाही).
तुमची मर्यादा निश्चित करण्यासाठी आणि तुमचे योगदान ऑप्टिमाइझ करण्यासाठी आमचे HSA योगदान कॅल्क्युलेटर वापरा.