Sumarize: Older U.S. couples will be able contribute more than $10,000 annually toward tax-free health savings accounts. Under guidance the IRS announced Tuesday that goes into effect next year, individuals can contribute as much as $4,150 to an HSA each year, a 7.8% increase. Families can set aside up to $8,300, up 7.1%, according to the new rules. The amount individuals and couples who are 55 and older and not yet on Medicare can contribute to an HSA will climb to $5,150 and $10,300, respectively. That includes the $1,000 catch-up contribution they are already allowed to set aside in an HSA each year. The large annual cost-of-living adjustment was expected given rising inflation, according to Kevin Robertson, senior vice president and chief revenue officer at HSA Bank. But he said the ability of older couples to contribute more than $10,000 and older individuals more than $5,000 helps establish an important psychological precedent. "It just sounds like a lot of money," he said. "It will catch people's attention, and more will say they now need to look at an HSA contribution