You decide how much money you want to save in your HSA, and you can change it at any time. It’s a smart idea to save enough to cover your annual deductible. For 2021, you can save up to $3,600 if you’re covering just yourself, or $7,200 if you’re covering yourself and your family. If you’re age 55 or older (or will turn age 55 during the plan year), you can also make additional “catch-up” contributions to your HSA up to $1,000. And if you don’t need that much health care, your money stays in your account and earns tax-free interest. It’s a great way to save for future expenses. Note: If you want to, you can elect to contribute after-tax dollars to your HSA through the bank. Your before-tax and after-tax contributions apply to the same annual limit.