How Much to Save?

You decide how much money you want to save in your HSA, and you can change it at any time. It’s a smart idea to save enough to cover your annual deductible.

If you choose to enroll in an HSA, you will elect a contribution amount based on a full calendar year (up to the 2025 IRS maximum contribution of $4,300 if you're covering just yourself, or $8,550 if you're covering yourself and family). However, due to the shortened plan year, you will only receive the contributions that were made from August 1 through December 31.

For example, if you elect an annual amount of $4,300, your total HSA contribution from August 1 through December 31 will be approximately:

  • $165.38 per pay period for 11 pay periods for bi-weekly associates
  • $82.69 per pay period for 22 pay periods for weekly associates

The total contribution will be approximately $1,820 of the $4,300 election.

If you’re age 55 or older (or will turn age 55 during the plan year), you can also make additional “catch-up” contributions to your HSA up to $1,000 annually (or approximately $423 prorated from August 1 through December 31).

And if you don’t need that much health care, your money stays in your account and earns tax-free interest. It’s a great way to save for future expenses.

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