HSA Contributions

HSA Contribution Minimum

If you like the convenience of contributing to your Health Savings Account (HSA) through payroll deductions, you’ll need to contribute a minimum of $500 for the year.

You Can Save More on Taxes

HSA contribution limits are set by the IRS each year. The amount you may contribute is triple-tax protected and depends on which HSA option you elect, whether XPO contributes, the coverage level you choose and your age. If you begin participation during the year, the amount XPO contributes is prorated based on your date of hire or Qualifying Event.

Under Age 55Age 55 or Older
HSA PlusEmployee OnlyEmployee + 1 or MoreEmployee OnlyEmployee + 1 or More
2023 IRS Limit$3,850$7,750$4,850$8,750
XPO Contribution (prorated)$500$1,000$500$1,000
Your Contribution$3,350$6,750$4,350$7,750
Basic HSAEmployee OnlyEmployee + 1 or MoreEmployee OnlyEmployee + 1 or More
2023 IRS Limit$3,850$7,750$4,850$8,750
XPO Contribution$0$0$0$0
Your Contribution
$3,850$7,750$4,850$8,750