Annual contribution limits on health savings accounts are preventing investors from accumulating enough money in them to help them gain traction, according to a report from the Employee Benefit Research Institute. For an individual, the annual contribution is currently $2,900, and for families, it’s $5,800.

According to EBRI, a 55-year-old couple would need $325,000 to $654,000 by the time they reach age 65 to have enough money to cover even half of the health premiums and out-of-pocket healthcare needs they will encounter during retirement. To cover 90% of such costs, they would need $511,000 to just over $1 million, according to EBRI.

“The maximum savings that can be accumulated in an HAS will be far from sufficient to fully cover the savings needed in retirement for insurance premiums and out-of-pocket expenses,” according to the report.

Besides the low annual contribution rates, because HSAs are only available in high-deductible healthcare plans—at least $1,100 for an individual and $2,200 for a family—it is inevitable that people will tap into this pool of money to pay for medical expenses during their working years, EBRI said.

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