Is there a cap on how much an HSA can grow to in a lifetime? There is no maximum accumulation limit for an HSA. Related articles Can you access your HSA online? Can you use an HSA to pay for voluntary cosmetic surgery? Does the money in an HSA roll over year-to-year, or does it go away at the end of the year? Are HSAs FDIC-insured? Can you invest the money in an HSA?