The IRS sets maximum contribution limits for HSAs. For 2022, the limits are $3,650 for an individual and $7,200 for a family HSA. If you didn’t have an HDHP for the entire year, you may still be able to contribute the full amount using the 13-month rule, which says that you must enroll in an HSA-eligible HDHP before December 1st of the given year and maintain your HDHP coverage through December 31st of the following year. If you reach the age of 55 and you’re eligible for an HSA, you are allowed to make an annual catch-up contribution of $1,000 each year until you either turn 65 or become eligible for Medicare.