The current year plan contribution limits, as announced by the IRS, for FSA, HSA, and Commuter benefit plans.
The current 2025 annual contribution limit for Medical and Limited Purpose Flexible Spending Accounts is $3,300.
This is an increase from $3,200 in 2024.
The current 2025 annual rollover limit for Medical and Limited Purpose Flexible Spending Accounts is $660.
This is an increase from $640 in 2024.
The current rate is limited to the smallest of the following amounts:
The federal government sets the amount that can be contributed per calendar year to a Dependent Care FSA.
The current 2025 maximum credit allowed for Adoption Assistance is $17,280.
This is an increase from $16,810 in 2024.
Employers, would you like to adjust your tax-free limits for your Medical FSA and/or Adoption Assistance for your upcoming plan year? There is no requirement to increase Medical FSA or Adoption Assistance limits. Employers must initiate a change. By contrast, Mass Transit, Parking, and HSA limits will be updated automatically for elections intended for the new plan year.
The current 2025 monthly election limit for Mass Transit and Parking Accounts is $325.
This is an increase from $315 in 2024.
| Coverage Type | 2024 Limits | 2025 Limits |
|---|---|---|
| Individual/Self Coverage | $4,150 | $4,300 |
| Family Coverage | $8,300 | $8,550 |
| Coverage Type | 2024 Minimum | 2025 Minimum |
|---|---|---|
| Individual/Self Coverage | $1,600 | $1,650 |
| Family Coverage | $3,200 | $3,300 |
| Coverage Type | 2024 Maximum | 2025 Maximum |
|---|---|---|
| Individual/Self Coverage | $8,050 | $8,300 |
| Family Coverage | $16,100 | $16,600 |
FSA, Commuter, & Adoption Assistance Limits:
HSA Limits:
Considering enrolling in one or more of the accounts listed above? Check out our FSA, HSA, and Commuter calculator tools to maximize the effectiveness of your pre-tax benefit funds.
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HSA Custodial Services are provided by a separate financial institution. See your HSA Account Agreement for specific account terms.
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