IRS Announces 2026 HSA Contribution Limits: What You Need to Know
- Steve Julal
- Jul 11
- 1 min read
Updated: Jul 16
The IRS has announced new inflation-adjusted limits for Health Savings Accounts (HSAs) for 2026, allowing taxpayers to set aside a bit more money for qualified medical expenses next year.
HSA Contribution Limits for 2026
Self-only Coverage: $4,400 ($4,300 in 2025)
Family Coverage: $8,750 ($8,550 in 2025)
Catch-up Contribution: An extra $1,000 for those age 55 or older (same as 2025)
High-Deductible Health Plan (HDHP) Requirements
To qualify for an HSA, you must be covered under a high-deductible health plan. For 2026, the limits are:
Minimum Deductible: $1,700 (Individual) or $3,400 (Family)
Out-of-Pocket Maximum: $8,500 (Individual) or $17,000 (Family)
Why Consider an HSA?
Triple Tax Advantage: Contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are also tax-free.
Wide Range of Uses: HSA funds can be used to pay for doctor visits, prescriptions, chiropractic care, and even long-term care insurance premiums.
Portability: Your account stays with you, even if you change jobs or retire.
HSAs can be a smart way to manage healthcare costs while saving on taxes. If you have questions about setting up or contributing to an HSA, we’re here to help.
