Keep in mind that investing involves risk. The value of your investment will 昀氀uctuate over time, and you may gain or lose money. 1 An HSA-eligible health plan is a high-deductible health plan that meets certain IRS requirements with respect to deductibles and out-of- pocket expenses. 2 Within contribution limits. The IRS contribution limits to an HSA for 2021 are $3,600 for individual coverage, and $7,200 for family coverage. In 2022, the contribution limits will be $3,650 and $7,300, respectively. If you are age 55 or older, you may be eligible to make a catch-up contribution up to an additional $1,000 each year. All contributions—whether from payroll, your employer or other third parties, personal check, bank transfer, or direct deposit—aggregate toward your maximum annual contribution limit. You are responsible for ensuring that all contributions in aggregate do not exceed your maximum annual contribution limit. 3 Under age 65, distributions used to pay for nonquali昀椀ed medical expenses are considered taxable income and are subject to a 20% penalty. 4 State tax may apply. See your tax advisor for more information on the state tax implications of HSAs. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 © 2021 FMR LLC. All rights reserved. 567483.15.0 01/41012 1.9888045.105