How to contribute to your HSA
There's no minimum to open a Fidelity HSA, and your contributions are tax-deductible. There are several ways to contribute to your Fidelity HSA:
Contribute cash
Make one-time or recurring contributions from a bank account or eligible Fidelity account, deposit a check, or set up direct deposit from your payrollLog In Required.
Transfer HSAs
Transfer some or all of your balance from another HSA or HSAs, as often as you like, to consolidate your accounts.
One-time IRA contribution
Move money from your IRA to your HSA once in your lifetime for a federal income tax deduction.
Annual HSA contribution limits
The IRS defines HSA contribution limits each year.
2024 | 2025 | |
Individual health plan | $4,150 | $4,300 |
Family health plan | $8,300 | $8,550 |
Age 55 or older† | Additional $1,000 | Additional $1,000 |
Please note: If you're married and covered by a family health plan, you and your spouse can both contribute to your HSA. If you do, all of your contributions will count toward the yearly contribution limit for family health plans. Any employer contributions will count toward these limits.
†HSA owners can make catch-up contributions anytime during the year in which they turn 55. A spouse who is 55 or older is also eligible for a catch-up contribution into their own HSA.
See IRS Publication 969 (PDF) for more on annual HSA contribution limits.